,Record #,Month-Year,Sub-product,Issue,Company,State,Consumer complaint narrative,record_info,labels (record_info)
0,65,7/1/2023,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']"
1,732,7/1/2023,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']"
2,1210,6/1/2023,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']"
3,1359,5/1/2023,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']"
4,1547,5/1/2023,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']"
5,1851,5/1/2023,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']"
6,2114,4/1/2023,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']"
7,10089,8/1/2023,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']"
8,10279,8/1/2023,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']"
9,10520,8/1/2023,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']"
10,11324,8/1/2023,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']"
11,11351,8/1/2023,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']"
12,12444,7/1/2023,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']"
13,12644,8/1/2023,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']"
14,16680,7/1/2023,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'] "
15,22940,8/1/2023,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']"
16,27201,7/1/2023,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']"
17,32065,6/1/2023,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']"
18,37452,5/1/2023,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']"
19,50162,2/1/2022,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']"
20,50820,2/1/2022,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']"
21,51858,6/1/2023,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']"
22,51926,6/1/2023,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']"
23,52423,2/1/2022,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']"
24,52468,2/1/2022,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']"
25,52611,2/1/2022,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']"
26,52892,1/1/2022,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']"
27,53808,10/1/2021,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']"
28,53975,11/1/2021,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']"
29,54197,12/1/2021,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']"
30,54534,10/1/2021,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']"
31,54708,10/1/2021,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']"
32,55387,10/1/2021,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']"
33,55612,10/1/2021,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']"
34,56151,10/1/2021,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']"
35,56390,10/1/2021,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']"
36,56403,10/1/2021,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']"
37,56443,10/1/2021,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']"
38,56931,10/1/2021,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']"
39,57217,10/1/2021,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']"
40,57618,10/1/2021,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']"
41,57695,10/1/2021,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']"
42,57883,10/1/2021,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']"
43,58035,10/1/2021,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']"
44,58227,10/1/2021,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']"
45,58320,10/1/2021,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']"
46,58441,6/1/2023,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']"
47,64554,9/1/2021,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']"
48,65098,9/1/2021,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']"
49,69151,5/1/2021,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']"
50,70803,8/1/2021,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']"
51,74159,3/1/2021,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'] "
52,74692,7/1/2023,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']"
53,81294,44348,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']"
54,83488,44287,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']"
55,84967,44256,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']"
56,172934,43678,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']"
57,182917,43739,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']"
58,187962,44440,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'] "
59,211786,43556,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']"
60,214378,44562,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']"
61,234704,44621,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']"
62,252359,43770,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']"
63,276713,44228,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']"
64,325436,44166,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']"
65,367159,43831,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']"
66,390119,44348,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']"
67,427262,44136,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']"
68,431260,44531,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,TN,I XXXX XXXX am the consumer in fact and I am asserting all rights. I am aware that the Consumer Financial Protection Bureau is here to enforce Federal consumer financial law and to ensure that I the consumer have access to markets for consumer financial products and services to which are fair transparent and competitive. I am also aware that the CFPB is authorized to exercise its authorities under Federal consumer financial to protect the consumer from unfair deceptive or abusive acts and practices pursuant to 12 U.S. Code 5511 ( b ) ( 2 ). As a consumer I will hold the CFPB to this standard. I sent a billing error notice to Synchrony Bank/PayPal Credit on XX/XX/2021. I requested the organization to provide documentary evidence pursuant to 12 CFR Section 1026.13 ( a ) ( 6 ) under Regulation Z for the public and private sector. The company failed to show documentary evidence and they credited my account for that month. They also sent me a letter on XX/XX/2021 admitting that there was fraud on my account and changed my account number in the process. At the end of the cycle they closed my account but we were able to come to an agreement to restore my services based on the billing error status open end credit status and the fact that closing the account was an act of discrimination under the Equal Credit Opportunity Act. Although my account was restored I have yet to see my account receive a credit for XXXX. The organization never showed me documentary evidence to prove the fraud and I suppose to receive a credit each month until they provide me with such evidence to whom or what funded the account. I am aware that the company sends me a remittance transfer each month with a XXXX scan on the coupon for me to use as credit. Thats a part of the fraud and the companys failure to honor it is a violation to 15 U.S. Code Section 1693h ( a ). I am will most definitely remain in honor and send it each month to satisfy the account if necessary.,generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial TN i xxxx xxxx am the consumer in fact and i am asserting all rights i am aware that the consumer financial protection bureau is here to enforce federal consumer financial law and to ensure that i the consumer have access to markets for consumer financial products and services to which are fair transparent and competitive i am also aware that the cfpb is authorized to exercise its authorities under federal consumer financial to protect the consumer from unfair deceptive or abusive acts and practices pursuant to us code b as a consumer i will hold the cfpb to this standard i sent a billing error notice to synchrony bankpaypal credit on xxxx i requested the organization to provide documentary evidence pursuant to cfr section a under regulation z for the public and private sector the company failed to show documentary evidence and they credited my account for that month they also sent me a letter on xxxx admitting that there was fraud on my account and changed my account number in the process at the end of the cycle they closed my account but we were able to come to an agreement to restore my services based on the billing error status open end credit status and the fact that closing the account was an act of discrimination under the equal credit opportunity act although my account was restored i have yet to see my account receive a credit for xxxx the organization never showed me documentary evidence to prove the fraud and i suppose to receive a credit each month until they provide me with such evidence to whom or what funded the account i am aware that the company sends me a remittance transfer each month with a xxxx scan on the coupon for me to use as credit thats a part of the fraud and the companys failure to honor it is a violation to us code section h a i am will most definitely remain in honor and send it each month to satisfy the account if necessary,"['deceptive practices', 'PayPal', 'letters', 'fraud', 'account closed', 'discrimination']"
69,433013,44287,Store credit card,Other features terms or problems,SYNCHRONY FINANCIAL,GA,"I have had a problem with my Sam 's Club Credit card since I opened it last year. Not sure if it is the bank or just Sam 's Club but there are some very questionable and misleading practices they have that are alarming. When I opened it I was told the card was accepted at Sam 's and Walmart stores. I also was told that if I made a purchase within the first 90 days I would get a credit of {$45.00} on my acct. I did and when I went to pay the balance off I inquired when the {$45.00} would be posted and was told the date. After that date passed with no credit I inquired and was told "" You didn't make the purchase at Sam 's Club. '' They were NOT explicitly clear as to where the store the purchase needed to be made and it was misleading because it was also stating the card could be used at both. Most recently I had an issue where I had signed into my acct on XX/XX/21 to see when the payment was due as I had not received an email stating it was time for the payment. I saw that the due date was XX/XX/21 and I was a few days late. I clicked "" Pay the minimum payment '' button and went through the steps to pay the minimum payment. I even asked a chat rep if there would be a late fee and he said he would waive it. Then today XX/XX/21 I checked my bank acct and the full balance -- over {$400.00} -- had been taken leaving me with an overdraft. Sam 's Club Credit would reverse it or cancel it and basically said "" You made a mistake. '' They have shady misleading and deceptive practices and the bank that is behind their credit cards needs to be investigated. People need to be warned to NOT open a credit card with them as they are fraudulent.",store credit card other features terms or problems synchrony financial GA i have had a problem with my sam s club credit card since i opened it last year not sure if it is the bank or just sam s club but there are some very questionable and misleading practices they have that are alarming when i opened it i was told the card was accepted at sam s and walmart stores i also was told that if i made a purchase within the first days i would get a credit of on my acct i did and when i went to pay the balance off i inquired when the would be posted and was told the date after that date passed with no credit i inquired and was told you didnt make the purchase at sam s club they were not explicitly clear as to where the store the purchase needed to be made and it was misleading because it was also stating the card could be used at both most recently i had an issue where i had signed into my acct on xxxx to see when the payment was due as i had not received an email stating it was time for the payment i saw that the due date was xxxx and i was a few days late i clicked pay the minimum payment button and went through the steps to pay the minimum payment i even asked a chat rep if there would be a late fee and he said he would waive it then today xxxx i checked my bank acct and the full balance over had been taken leaving me with an overdraft sam s club credit would reverse it or cancel it and basically said you made a mistake they have shady misleading and deceptive practices and the bank that is behind their credit cards needs to be investigated people need to be warned to not open a credit card with them as they are fraudulent,"['Sams Club',  'email', 'deceptive practices', 'credit card']"
70,438219,44228,Store credit card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,FL,I had ordered furniture from Ashley Homestore online in late XXXX of XXXX. That furniture was delivered on XX/XX/XXXX and charged in the amount of {$1400.00} to my Synchrony Account. Ashley then attempted to deliver the same furniture again on XX/XX/XXXX but I told them I already received all of my furniture. Then a 2nd charge of {$1800.00} was added to my Ashley Furniture Synchrony Account on XX/XX/XXXX. When I noticed this 2nd charge on XX/XX/XXXX and I informed Synchrony that this was not a valid charge. On XX/XX/XXXX Synchrony informed me that the dispute was resolved however the charge remained on my account. In the documentation they provided Ashley used pictures of the furniture that had already been delivered as justification for the 2nd charge. I then contacted the Ashley store referenced in the documentation. She was able to determine the delivery team had stated that I accepted delivery of the 2nd set of furniture even though I did not. Once she realized the error she informed me that my account would be refunded and I should see it reflected on my account in the next 2-3 statements. After the refund never appeared I again contacted the same person at Ashley. She told me she didn't know why the refund never went through but that it would shortly. This back and forth continued every few weeks from the XXXX of XXXX until today. I contacted Ashley on XX/XX/XXXX because the open balance was still on my account and negatively affecting my credit. She informed me that corporate was issuing a refund that day and that I would be sent a confirmation email. I again contacted Ashley a week later on XX/XX/XXXX because I still had not received an email or a refund on my account. She said it could take 7-14 days for the refund to process and she took my email address again and told me that she would make sure I got sent the confirmation email. Synchrony then marked my account as late and began charging me interest and late fees which severely impacted my credit score. I called Synchrony to inform them again that they need to remove any late fees as well as remove and fix the negative marks on my credit score. I told them that a refund should be processing from Ashley but they did not see it on their end yet. It is now XX/XX/XXXXand the refund from Ashley should have been processed however it has not. I have attempted to contact both Ashley and Synchrony and both are hanging up on me.,store credit card problem with a purchase shown on your statement synchrony financial FL i had ordered furniture from ashley homestore online in late xxxx of xxxx that furniture was delivered on xxxxxxxx and charged in the amount of to my synchrony account ashley then attempted to deliver the same furniture again on xxxxxxxx but i told them i already received all of my furniture then a nd charge of was added to my ashley furniture synchrony account on xxxxxxxx when i noticed this nd charge on xxxxxxxx and i informed synchrony that this was not a valid charge on xxxxxxxx synchrony informed me that the dispute was resolved however the charge remained on my account in the documentation they provided ashley used pictures of the furniture that had already been delivered as justification for the nd charge i then contacted the ashley store referenced in the documentation she was able to determine the delivery team had stated that i accepted delivery of the nd set of furniture even though i did not once she realized the error she informed me that my account would be refunded and i should see it reflected on my account in the next statements after the refund never appeared i again contacted the same person at ashley she told me she didnt know why the refund never went through but that it would shortly this back and forth continued every few weeks from the xxxx of xxxx until today i contacted ashley on xxxxxxxx because the open balance was still on my account and negatively affecting my credit she informed me that corporate was issuing a refund that day and that i would be sent a confirmation email i again contacted ashley a week later on xxxxxxxx because i still had not received an email or a refund on my account she said it could take days for the refund to process and she took my email address again and told me that she would make sure i got sent the confirmation email synchrony then marked my account as late and began charging me interest and late fees which severely impacted my credit score i called synchrony to inform them again that they need to remove any late fees as well as remove and fix the negative marks on my credit score i told them that a refund should be processing from ashley but they did not see it on their end yet it is now xxxxxxxxand the refund from ashley should have been processed however it has not i have attempted to contact both ashley and synchrony and both are hanging up on me,"['Ashley Furniture', 'dispute', 'double charged', 'refund', 'credit score', 'late fee']"
71,438687,44958,Store credit card,Fees or interest,SYNCHRONY FINANCIAL,NY,I was charged a late fee of {$41.00} on an amount due of {$41.00}. That is 100 % late fee of minimum payment to a Lowe 's CC. I had to pay it 2 days late. It was actually paid online on the due date but didn't show up until 2 days later.,store credit card fees or interest synchrony financial NY i was charged a late fee of on an amount due of that is late fee of minimum payment to a lowe s cc i had to pay it days late it was actually paid online on the due date but didnt show up until days later,"['late fee', 'Lowes']"
72,439040,43497,Personal line of credit,Problem when making payments,SYNCHRONY FINANCIAL,TX,I have a PayPal Credit line of credit which provides promotional financing for purchases of more than {$99.00}. My most recent billing cycle ended on XX/XX/XXXX and I have still not received a billing statement ( set up for electronic delivery ). My account indicates that I have a payment due on XX/XX/XXXX but I have no way to verify that payment amount since I have not received a billing statement. I contacted PayPal and they admitted ( in multiple emails ) that there is an error with their electronic billing system and that they are working on a resolution but have no timeline for when I might receive a billing statement. How is it legal for them to set a payment amount and due date ( and presumably charge interest and fees if the payment amount is not received by the due date ) when they are unable to provide a billing statement for documentation purposes? Do I not have the right to review my monthly statements to verify that all included transactions are appropriate?,personal line of credit problem when making payments synchrony financial TX i have a paypal credit line of credit which provides promotional financing for purchases of more than my most recent billing cycle ended on xxxxxxxx and i have still not received a billing statement set up for electronic delivery my account indicates that i have a payment due on xxxxxxxx but i have no way to verify that payment amount since i have not received a billing statement i contacted paypal and they admitted in multiple emails that there is an error with their electronic billing system and that they are working on a resolution but have no timeline for when i might receive a billing statement how is it legal for them to set a payment amount and due date and presumably charge interest and fees if the payment amount is not received by the due date when they are unable to provide a billing statement for documentation purposes do i not have the right to review my monthly statements to verify that all included transactions are appropriate,"['PayPal', 'line of credit',  'late fee']"
73,439192,43739,Credit card debt,Communication tactics,SYNCHRONY FINANCIAL,AZ,I have been getting multiple calls daily on 1 missed payment on my care credit from synchony bank. I understand i am late and this is due to health issues and i intend to make the payment as soon as i get funds. I normally won't complain but at this point they are calling my cell phone during work hours and later in the evening. I tend to work a really early shift and go to bed early and this is starting to affect my work schedule. It is unacceptable for the daily calls. On top of that they also tend to call from a restricted number that pops up under the name of someone under my contacts.,credit card debt communication tactics synchrony financial AZ i have been getting multiple calls daily on missed payment on my care credit from synchony bank i understand i am late and this is due to health issues and i intend to make the payment as soon as i get funds i normally wont complain but at this point they are calling my cell phone during work hours and later in the evening i tend to work a really early shift and go to bed early and this is starting to affect my work schedule it is unacceptable for the daily calls on top of that they also tend to call from a restricted number that pops up under the name of someone under my contacts,"['medical', 'Care Credit']"
74,439927,43800,Credit card debt,Took or threatened to take negative or legal action,SYNCHRONY FINANCIAL,TX,So I have spoken with the debt collector in the past but am unable to pay on it. They have since reported a debt that is over 7 years old on my credit as a new debt. It is showing that it was opened in XXXX of 2019 on my credit report which is not the case.,credit card debt took or threatened to take negative or legal action synchrony financial TX so i have spoken with the debt collector in the past but am unable to pay on it they have since reported a debt that is over years old on my credit as a new debt it is showing that it was opened in xxxx of on my credit report which is not the case,"['debt collection agency', 'credit report']"
75,451540,43800,Other personal consumer report,Improper use of your report,SYNCHRONY FINANCIAL,NY,I received an alert that SYNCB made a hard inquiry on my report however I didn't apply for any credit card from synchrony and affiliates..,other personal consumer report improper use of your report synchrony financial NY i received an alert that syncb made a hard inquiry on my report however i didnt apply for any credit card from synchrony and affiliates,"['hard inquiry', 'credit report', 'credit card', 'never applied']"
76,451596,44470,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,WV,Under the 604 fair credit reporting act after an account goes into collections after 180 days the consumer is not longer responsible for the debt.,credit card debt attempts to collect debt not owed synchrony financial WV under the fair credit reporting act after an account goes into collections after days the consumer is not longer responsible for the debt,"['debt collection agency', 'Fair Credit Reporting Act']"
77,452279,43800,Store credit card,Problem when making payments,SYNCHRONY FINANCIAL,MA,Please help me here as I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late??? I am not sure how this happened I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.,store credit card problem when making payments synchrony financial MA please help me here as i was shocked when i reviewed my credit report and found late payment on the dates below xxxx days late i am not sure how this happened i believe that i had made my payments to you when i received my statements my only thought is that my monthly statement did not get to me or the payment was not applied as fast as expected i check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report,"['credit report', 'late payment', 'checking account']"
78,453248,44013,General-purpose credit card or charge card,Trouble using your card,SYNCHRONY FINANCIAL,CA,I made a payment to my account paying my account in full but the company has not yet posted my payment and refused to tell me when the funds will be available for use. Further they refuse to provide me my account statements for review. It would be helpful if : 1. PayPal and/or Synchrony were transparent in how payment processing worked & when payments will be available for use. Holding my credit payment w/out allowing use of the account feels very UDAAP. Especially w/out any notice. PayPal is notorious for nesting critical account information in Terms & Condition. 2. I had access to my statements. The Company pushes me to do business electronically but does not have the ability to allow me to view statements online or email me copies of the statements. About a month or so ago I called because there was a {$300.00} missing payment. The agent was unable to explain to me where the funds went.,generalpurpose credit card or charge card trouble using your card synchrony financial CA i made a payment to my account paying my account in full but the company has not yet posted my payment and refused to tell me when the funds will be available for use further they refuse to provide me my account statements for review it would be helpful if paypal andor synchrony were transparent in how payment processing worked when payments will be available for use holding my credit payment wout allowing use of the account feels very udaap especially wout any notice paypal is notorious for nesting critical account information in terms condition i had access to my statements the company pushes me to do business electronically but does not have the ability to allow me to view statements online or email me copies of the statements about a month or so ago i called because there was a missing payment the agent was unable to explain to me where the funds went,"['PayPal', 'Terms and Conditions']"
79,462733,44317,Store credit card,Closing your account,SYNCHRONY FINANCIAL,WV,I have had a care credit with synchrony bank for over a year and I may have had a late payment here or there but 6 months in they reduced my card without warning. I have been in awesome standing with them for the past 5 months and after I laid them off about 2 weeks ago they closed my account without warning. I went to use my card and discovered it was closed. When I called they read me off a letter I never received. I have several cards with synchrony bank and some have even raised my credit limit. After I paid them off they closed my account I believe it is the care credit company and not the actual bank. They wanted me to reapply to put a ding on my credit file.,store credit card closing your account synchrony financial WV i have had a care credit with synchrony bank for over a year and i may have had a late payment here or there but months in they reduced my card without warning i have been in awesome standing with them for the past months and after i laid them off about weeks ago they closed my account without warning i went to use my card and discovered it was closed when i called they read me off a letter i never received i have several cards with synchrony bank and some have even raised my credit limit after i paid them off they closed my account i believe it is the care credit company and not the actual bank they wanted me to reapply to put a ding on my credit file,"['Care Credit', 'credit limit decrease', 'letters', 'account closed', 'credit score']"
80,463792,44136,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,IA,On XXXX XXXX at XXXX we got a call from XXXX XXXX XXXX claiming that a fraudulent charge had been made on our Amazon Store Card. We were instructed to go to XXXX XXXX to reverse the fraudulent claim. We were to type in the address bar trackmyorder.us. I said no I'd just call the number on the back of my card. They said no this was the only way to stop the fraudulent charge because it was now pending. When we did what he said our virus product marked it as a dangerous page. I hung up and called Amazon card services and I had no such charge on my card. It was a scam. I think they wanted my card number,credit reporting incorrect information on your report synchrony financial IA on xxxx xxxx at xxxx we got a call from xxxx xxxx xxxx claiming that a fraudulent charge had been made on our amazon store card we were instructed to go to xxxx xxxx to reverse the fraudulent claim we were to type in the address bar trackmyorderus i said no id just call the number on the back of my card they said no this was the only way to stop the fraudulent charge because it was now pending when we did what he said our virus product marked it as a dangerous page i hung up and called amazon card services and i had no such charge on my card it was a scam i think they wanted my card number,"['fraud', 'Amazon', 'scam']"
81,466265,43525,General-purpose credit card or charge card,Getting a credit card,SYNCHRONY FINANCIAL,IL,I received a credit card from Synchrony Financial. Theres seems to be activity on the card which was not by me. I keep calling the customer service number to report fraud and the operator keeps telling me that number doesnt exist. I have called three different numbers that have taken me to the same operator and every time I have tried to report fraud the operator tells me that the number does not exist. As such I cant submit my fraud report.,generalpurpose credit card or charge card getting a credit card synchrony financial IL i received a credit card from synchrony financial theres seems to be activity on the card which was not by me i keep calling the customer service number to report fraud and the operator keeps telling me that number doesnt exist i have called three different numbers that have taken me to the same operator and every time i have tried to report fraud the operator tells me that the number does not exist as such i cant submit my fraud report,"['credit card', 'fraud', 'customer service']"
82,466624,44105,General-purpose credit card or charge card,Other features terms or problems,SYNCHRONY FINANCIAL,NJ,I had a Banana Republic Visa card issued by Synchrony Bank. In a month of high usage where I need to buy construction materials and make multiple payments to keep my card balance available Synchrony bank abruptly terminated my account. While I do not contest Synchrony Bank had the right to close my account ; Synchrony bank acted in bad faith as my account was terminated right before the XX/XX/2020 statement was generated ; which in turn would have earned me approximately {$200.00} in reward points. My approximately {$200.00} points were forfeited with the account closure. This was a bad faith act. I was also not notified electronically about this action until I checked my online account ; this even though all my statements are electronic.,generalpurpose credit card or charge card other features terms or problems synchrony financial NJ i had a banana republic visa card issued by synchrony bank in a month of high usage where i need to buy construction materials and make multiple payments to keep my card balance available synchrony bank abruptly terminated my account while i do not contest synchrony bank had the right to close my account synchrony bank acted in bad faith as my account was terminated right before the xxxx statement was generated which in turn would have earned me approximately in reward points my approximately points were forfeited with the account closure this was a bad faith act i was also not notified electronically about this action until i checked my online account this even though all my statements are electronic,"['Banana Republic', 'account closed', 'rewards']"
83,467957,44075,Store credit card,Problem when making payments,SYNCHRONY FINANCIAL,FL,Synchrony Bank for Lowes did not send paper statement for XXXX. Called 3 times to try to correct and requested paper statement but did not receive. Made on line payment received 2 emails stating payment received then received phone message to call them. Spoke to 3 people who insisted payment was NSF but the problem was it was not posted to the correct account. Unable to find a person to let me finish a sentence to correct this. Have perfect credit made a payment when one was not due and now being harassed about it.,store credit card problem when making payments synchrony financial FL synchrony bank for lowes did not send paper statement for xxxx called times to try to correct and requested paper statement but did not receive made on line payment received emails stating payment received then received phone message to call them spoke to people who insisted payment was nsf but the problem was it was not posted to the correct account unable to find a person to let me finish a sentence to correct this have perfect credit made a payment when one was not due and now being harassed about it,"['Lowes', 'insufficient funds']"
84,469123,44197,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,PA,On XX/XX/XXXX I paid the balance on my CARE CREDIT account of {$38.00}. On XX/XX/XXXX I was informed that they have closed my account. I called and spoke to a Representative then to a Manager about the Closing of my account. Both told me that their electronic system periodically checks the credit status of the accounts. My account was deemed unfit so it was closed. I explained that I have had this account for the past 4 years and have always paid my bill. I do admit that I had missed a payment but always paid the following month due to financial situations. I explained that I only use this card for my dog 's Vet bills. This action also has affected my Credit Score which I am trying to repair after some difficult years financially. I was told there is nothing that I could do to reinstate my account.,generalpurpose credit card or charge card closing your account synchrony financial PA on xxxxxxxx i paid the balance on my care credit account of on xxxxxxxx i was informed that they have closed my account i called and spoke to a representative then to a manager about the closing of my account both told me that their electronic system periodically checks the credit status of the accounts my account was deemed unfit so it was closed i explained that i have had this account for the past years and have always paid my bill i do admit that i had missed a payment but always paid the following month due to financial situations i explained that i only use this card for my dog s vet bills this action also has affected my credit score which i am trying to repair after some difficult years financially i was told there is nothing that i could do to reinstate my account,"['Care Credit', 'credit score']"
85,484521,44013,Store credit card,Fees or interest,SYNCHRONY FINANCIAL,NY,I purchased air conditioning from PC Richard last year through special financing no interest for one year. The sales person did not inform me about deferred interest or special charges if I dont pay in full after a year. XX/XX/2020 my balance went up by close to {$700.00}. I realized this today while checking my credit history and saw that balance went up a lot. I had not been receiving any statements from them. I called Synchrony Finance today and they said that they cant do anything. I requested supervisor to raise a complaint and send me correspondence or give reference which she refused. I am having financial difficulties these days and I would really appreciate if you can help me with PC Richard and Synchrony finance. I have raised this with XXXX XXXX XXXX as well. Thank you,store credit card fees or interest synchrony financial NY i purchased air conditioning from pc richard last year through special financing no interest for one year the sales person did not inform me about deferred interest or special charges if i dont pay in full after a year xxxx my balance went up by close to i realized this today while checking my credit history and saw that balance went up a lot i had not been receiving any statements from them i called synchrony finance today and they said that they cant do anything i requested supervisor to raise a complaint and send me correspondence or give reference which she refused i am having financial difficulties these days and i would really appreciate if you can help me with pc richard and synchrony finance i have raised this with xxxx xxxx xxxx as well thank you,"['PC Richard', 'deferred interest']"
86,580105,43922,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,PA,My home was broken into and two credit cards were opened in my name. I have disputed the account with the SYNCB for a Walmart charge card as well as submitting proof and they have refused to remove from my credits reports. The suspect for the break-in was a family member with a drug issue and would have had knowledge of all of my personal information.,credit reporting incorrect information on your report synchrony financial PA my home was broken into and two credit cards were opened in my name i have disputed the account with the syncb for a walmart charge card as well as submitting proof and they have refused to remove from my credits reports the suspect for the breakin was a family member with a drug issue and would have had knowledge of all of my personal information,"['credit card', 'dispute', 'personal information']"
87,648264,44287,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,LA,Dear Sir/Madam I have disputed this account with XXXX XXXX XXXX and Synchrony Bank which is the original creditor the account number is XXXX. The XXXX failed to validate the debt and they sent the debt back to the original creditor. Suddenly I received a XXXX form in the mail from Synchrony Bank which I was really confused who acquire the debt was it XXXX or Synchrony Bank. Which a XXXX and Synchrony Bank both are reporting on my credit report from all bureaus with balances showing. However I sent the original creditor a letter stating that the debt should not be reporting on my credit if I filed the loss on my taxes. ( See Attached letter from Synchrony bank ) which I do not agree to. This debt must be removed from all three credit bureaus.,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial LA dear sirmadam i have disputed this account with xxxx xxxx xxxx and synchrony bank which is the original creditor the account number is xxxx the xxxx failed to validate the debt and they sent the debt back to the original creditor suddenly i received a xxxx form in the mail from synchrony bank which i was really confused who acquire the debt was it xxxx or synchrony bank which a xxxx and synchrony bank both are reporting on my credit report from all bureaus with balances showing however i sent the original creditor a letter stating that the debt should not be reporting on my credit if i filed the loss on my taxes see attached letter from synchrony bank which i do not agree to this debt must be removed from all three credit bureaus,"['dispute', 'no validation', 'debt']"
88,721620,44197,Store credit card,Trouble using your card,SYNCHRONY FINANCIAL,CA,Within the last 30 days XXXX XXXXSynchrony Bank reduced my credit limit from $ XXXX to $ XXXX without any outreach or notification. My account balance has been XXXX for the last couple of years but caring for three mature pets it is reassuring to have a higher rather than lower credit limit in case we need veterinary services. Additionally I have not failed to make a timely payment and continue to increase my salary.,store credit card trouble using your card synchrony financial CA within the last days xxxx xxxxsynchrony bank reduced my credit limit from xxxx to xxxx without any outreach or notification my account balance has been xxxx for the last couple of years but caring for three mature pets it is reassuring to have a higher rather than lower credit limit in case we need veterinary services additionally i have not failed to make a timely payment and continue to increase my salary,"['credit limit decrease', 'Care Credit']"
89,722045,44652,Store credit card,Getting a credit card,SYNCHRONY FINANCIAL,CA,I applied for a Lowes card on the Lowes site. As soon as I hit send a message popped up saying denied. How can credit be checked in under XXXX seconds? I called the finance company to ask how it was denied within seconds and was told about a {$100.00}. XXXX gift card they were offering. I stated I was not interested and again asked about the denial within seconds. I was told by the employee on the phone that she could not look up my information unless I took the promotional offer. I hung up and I let someone in Lowes credit dept know.,store credit card getting a credit card synchrony financial CA i applied for a lowes card on the lowes site as soon as i hit send a message popped up saying denied how can credit be checked in under xxxx seconds i called the finance company to ask how it was denied within seconds and was told about a xxxx gift card they were offering i stated i was not interested and again asked about the denial within seconds i was told by the employee on the phone that she could not look up my information unless i took the promotional offer i hung up and i let someone in lowes credit dept know,"['Lowes', 'denied credit']"
90,778803,44958,General-purpose credit card or charge card,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,MT,SYNCB/CAR CARE SYNCARE SYN CRE reported on my credit score that I did not pay my bill and wrote off the amount left to be paid. I called the company 4 times to try to find out how my name was associated with the account and if it was my bill why hadn't I been informed that I owed the company money. I spoke with representatives in customer service on 2 occasions a year a go and they were unable to find my name or social security number any where in the system. I spent hours on the phone with these patient women who really tried to help me but never could find my information. I tried again a few months ago but could not get beyond the automated system since I am not in it I can't get information. After hearing about your organization I thought i would try again. Once more I could not access a human. The only reference I have to the account is that I am listed as a co-signer with XXXX XXXX. I was to be taken off of the account but had never received a bill or any notices from the bank. I was able to find a partial account number but nothing else. I as seen on my credit report have always paid my bills on time without missing payments ever. Can you help me? I want to resolve this.,generalpurpose credit card or charge card problem with a credit reporting companys investigation into an existing problem synchrony financial MT syncbcar care syncare syn cre reported on my credit score that i did not pay my bill and wrote off the amount left to be paid i called the company times to try to find out how my name was associated with the account and if it was my bill why hadnt i been informed that i owed the company money i spoke with representatives in customer service on occasions a year a go and they were unable to find my name or social security number any where in the system i spent hours on the phone with these patient women who really tried to help me but never could find my information i tried again a few months ago but could not get beyond the automated system since i am not in it i cant get information after hearing about your organization i thought i would try again once more i could not access a human the only reference i have to the account is that i am listed as a cosigner with xxxx xxxx i was to be taken off of the account but had never received a bill or any notices from the bank i was able to find a partial account number but nothing else i as seen on my credit report have always paid my bills on time without missing payments ever can you help me i want to resolve this,"['credit score', 'customer service', 'social security', 'credit report', 'Care Credit']"
91,804267,43617,Store credit card,Advertising and marketing including promotional offers,SYNCHRONY FINANCIAL,AZ,on XX/XX/18 we used care credit card for hospital stay in the amount of {$1500.00}. It was unclear to us at the time how their promotional terms of no interest would be charged to other existing care credit charges. This promotion precedes other interest free dates so when making payments to our care credit instead of all amounts going to charges with the earliest promotional date expiration 's a fixed portion {$67.00} was paid to the XX/XX/18 charge. Thus previous calculations to pay off prior promotion rates to avoid interest were jeopardized and we found ourselves behind schedule before we caught the fact that we would need to essentially pay two payments for one credit card. Misleading and I believe they hope it is to confusing for people who are having some type of medical or pet issue at the time of use for this card to notice. Care credit is not as transparent about their multiple contracts and how each contract differs in so called interest free promotions.,store credit card advertising and marketing including promotional offers synchrony financial AZ on xxxx we used care credit card for hospital stay in the amount of it was unclear to us at the time how their promotional terms of no interest would be charged to other existing care credit charges this promotion precedes other interest free dates so when making payments to our care credit instead of all amounts going to charges with the earliest promotional date expiration s a fixed portion was paid to the xxxx charge thus previous calculations to pay off prior promotion rates to avoid interest were jeopardized and we found ourselves behind schedule before we caught the fact that we would need to essentially pay two payments for one credit card misleading and i believe they hope it is to confusing for people who are having some type of medical or pet issue at the time of use for this card to notice care credit is not as transparent about their multiple contracts and how each contract differs in so called interest free promotions,"['care credit', 'misleading']"
92,866900,44774,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,MD,I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!,credit card debt attempts to collect debt not owed synchrony financial MD i have sent in numerous of letters an ftc reports to this company regarding this fraudulent account that was opened in my name this company has completely ignored my request to have this account removed or investigated properly this account is hindering me from moving forward in my life this matter needs to be addressed and fixed expeditiously,"['open account', 'fraud']"
93,942117,43586,Store credit card,Closing your account,SYNCHRONY FINANCIAL,NJ,Ive had the JC Penney credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time. Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in and not use the card until it was paid in full. Consumers are always told to stay in touch with the creditor and I did. They kept on assuring me that I was doing the right thing by staying in contact with them sending in payments even if it didnt cover the monthly amount and that my card would not be cancelled. A few months after I had gotten my balance down to XXXX and paid off everything ( even the late fees etc. ) they send me a letter that they cancelled my card. My credit score was climbing back up and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create. They lied their business practices do not keep the consumer in mind and something should be done to them!,store credit card closing your account synchrony financial NJ ive had the jc penney credit card for several years before they closed my account four years ago i lost my fulltime job so i was struggling with keeping up with payments up to this point i didnt have any problem paying the bills on time ive contacted the company several times during my financial hardship and kept on stressing that i do not want the account closed but that i would pay off whatever was on it there wasnt a lot i told them i would keep sending money in and not use the card until it was paid in full consumers are always told to stay in touch with the creditor and i did they kept on assuring me that i was doing the right thing by staying in contact with them sending in payments even if it didnt cover the monthly amount and that my card would not be cancelled a few months after i had gotten my balance down to xxxx and paid off everything even the late fees etc they send me a letter that they cancelled my card my credit score was climbing back up and i get hit with this they gave me the form letter about my credit report saying that i have too many derogatories and too many accounts past due now my credit score has gone down because of the nonsense these companies are allowed to create they lied their business practices do not keep the consumer in mind and something should be done to them,"['JC Penney', 'credit card', 'account closed', 'credit score', 'credit report', 'lie']"
94,944058,43647,Mobile or digital wallet,Fraud or scam,SYNCHRONY FINANCIAL,WA,On XX/XX/13 I was scammed by a PayPal seller. I used PayPal credit for my payment. I talked to PayPal and all they did was put up a dispute and I am very sure the scammer is not going to give back my money. I need my payment canceled. It's credit and not my personal money so I feel there may be a way to solve this.,mobile or digital wallet fraud or scam synchrony financial WA on xxxx i was scammed by a paypal seller i used paypal credit for my payment i talked to paypal and all they did was put up a dispute and i am very sure the scammer is not going to give back my money i need my payment canceled its credit and not my personal money so i feel there may be a way to solve this,"['scam', 'PayPal', 'dispute']"
95,984472,44621,General-purpose credit card or charge card,Problem when making payments,SYNCHRONY FINANCIAL,TN,"This is my second complaint to the CFPB regarding Synchrony. The problem has not been resolved and continues. The first complaint was closed because it said the company responded. In actuality the only response I got was that they were looking into it. No resolution. Here is the problem that continues : I have a Paypal issued credit card through Synchrony Bank. I have had the card longer than the 6 month trial period so when I make a payment through their website the user agreement states it will be applied within 2 business days. Synchrony does not apply my payments -- they state they are "" large payments '' ( {$2000.00} ) and therefore subject to holds. This is not in the user agreement. The user agreement states the following for online payments : "" Your Payment will be credited to your Card Account on the day when you make it but may not be displayed on your Card Account for up to 48 hours. Subject to our receipt of funds from your payment your available credit will be updated within two business days of the Payment Date. '' Every time I make a payment in the {$2000.00} range they continue to hold that payment for what can be a week or more not applying it to my balance. This is a business credit card and I need my funds to run my business. I have to continuously call to get the funds released. They do not seem to have any right or permission to NOT apply these payments within 2 business days. I am requesting the CFPB contact Synchrony Bank to let them know they are breaking their user agreement and to stop putting holds on payments. Also my credit limit is {$3500.00} so making a {$2000.00} payment should not be suspicious or a large amount that has to be held. They are using my funds to for interest income. This is in their financial interests not mine and breaks their user agreement.",generalpurpose credit card or charge card problem when making payments synchrony financial TN this is my second complaint to the cfpb regarding synchrony the problem has not been resolved and continues the first complaint was closed because it said the company responded in actuality the only response i got was that they were looking into it no resolution here is the problem that continues i have a paypal issued credit card through synchrony bank i have had the card longer than the month trial period so when i make a payment through their website the user agreement states it will be applied within business days synchrony does not apply my payments they state they are large payments and therefore subject to holds this is not in the user agreement the user agreement states the following for online payments your payment will be credited to your card account on the day when you make it but may not be displayed on your card account for up to hours subject to our receipt of funds from your payment your available credit will be updated within two business days of the payment date every time i make a payment in the range they continue to hold that payment for what can be a week or more not applying it to my balance this is a business credit card and i need my funds to run my business i have to continuously call to get the funds released they do not seem to have any right or permission to not apply these payments within business days i am requesting the cfpb contact synchrony bank to let them know they are breaking their user agreement and to stop putting holds on payments also my credit limit is so making a payment should not be suspicious or a large amount that has to be held they are using my funds to for interest income this is in their financial interests not mine and breaks their user agreement,"['never applied', 'credit card',  'credit report', 'hard inquiry', 'debt collection agency']"
96,988959,45017,Store credit card,Fees or interest,SYNCHRONY FINANCIAL,AL,I have an Amazon Credit Card which is managed by Synchrony Bank. The bank is using a predatory late fee mark on my account even when I still paying the account and even when Im paying {$160.00} / {$80.00} twice a month. When I make the payments those payments are instantly debited however synchrony takes time to post to whoever dates they please and probably for that reason the predatory late fees are on my account. I tried to speak and explain to XXXX XXXX XXXX and XXXX XXXX a representative from the company and what he did was close the chat and refused to help me and look for other better solutions without the predatory fees but in the end this is what they do to steal money charge late fees to keep the account up and the customer never end up paying the whole account for that reason.,store credit card fees or interest synchrony financial AL i have an amazon credit card which is managed by synchrony bank the bank is using a predatory late fee mark on my account even when i still paying the account and even when im paying twice a month when i make the payments those payments are instantly debited however synchrony takes time to post to whoever dates they please and probably for that reason the predatory late fees are on my account i tried to speak and explain to xxxx xxxx xxxx and xxxx xxxx a representative from the company and what he did was close the chat and refused to help me and look for other better solutions without the predatory fees but in the end this is what they do to steal money charge late fees to keep the account up and the customer never end up paying the whole account for that reason,"['Amazon', 'credit card', 'late fee', 'predatory']"
97,1023577,44501,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,NC,I applied for a credit card and made a purchase at XXXX in XXXX NC in XXXX or XXXX of XXXXThe card nor bill never came to my address. Around XXXX of 2020 I received an email stating I was being sent to collections. The bill was paid immediately. I applied for a XXXX XXXX XXXX card in XXXX of XXXXwith XXXX XXXX XXXX XXXX and was informed my credit score was XXXX and would probably remain so for 7 years. My score had been XXXX for years. I got no help from XXXX or Synchrony Bank in person phone or letter. Please assist me. I should not be punished because the card and bill were sent to the wrong address. My email : XXXX. My mailing is XXXX XXXX XXXX XXXX NC XXXX.,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial NC i applied for a credit card and made a purchase at xxxx in xxxx nc in xxxx or xxxx of xxxxthe card nor bill never came to my address around xxxx of i received an email stating i was being sent to collections the bill was paid immediately i applied for a xxxx xxxx xxxx card in xxxx of xxxxwith xxxx xxxx xxxx xxxx and was informed my credit score was xxxx and would probably remain so for years my score had been xxxx for years i got no help from xxxx or synchrony bank in person phone or letter please assist me i should not be punished because the card and bill were sent to the wrong address my email xxxx my mailing is xxxx xxxx xxxx xxxx nc xxxx,"['credit card', 'debt collection agency', 'credit score']"
98,1024745,44470,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,OH,On XX/XX/21 I received a judgement letter in the mail from Synchrony Bank for XXXX. Upon inspection I realized this was a fraudulent account that someone opened in my name without me being aware. I immediately began the process of reporting identity theft and fraud with the three major credit bureaus synchrony bank and my insurance company. I also made a police report.,credit card debt attempts to collect debt not owed synchrony financial OH on xxxx i received a judgement letter in the mail from synchrony bank for xxxx upon inspection i realized this was a fraudulent account that someone opened in my name without me being aware i immediately began the process of reporting identity theft and fraud with the three major credit bureaus synchrony bank and my insurance company i also made a police report,"['fraud', 'identity theft']"
99,1025279,43862,Store credit card,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,MA,I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 I am not sure how this happened I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.,store credit card problem with a credit reporting companys investigation into an existing problem synchrony financial MA i was shocked when i reviewed my credit report and found late payment on the dates below xxxx i am not sure how this happened i believe that i had made my payments to you when i received my statements my only thought is that my monthly statement did not get to me or the payment was not applied as fast as expected i checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report,"['credit report', 'late payment']"
100,1025426,45108,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,AZ,I was trying to get in this apartment I was denied due my credit. there were all these hard inquires and collections that damage my credit According 15 USC 1681 law that's a defamation to my character.,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial AZ i was trying to get in this apartment i was denied due my credit there were all these hard inquires and collections that damage my credit according usc law thats a defamation to my character,"['credit report', 'hard inquiry', 'denied']"
101,1025695,44531,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,NJ,I did not apply for credit or authorize these companies to pull my credit report. XXXX XXXX XXXX XX/XX/2020 XXXX Lowes XX/XX/2020 XXXX,credit reporting incorrect information on your report synchrony financial NJ i did not apply for credit or authorize these companies to pull my credit report xxxx xxxx xxxx xxxx xxxx lowes xxxx xxxx,"['never applied', 'credit report']"
102,1025998,44531,Credit card debt,Written notification about debt,SYNCHRONY FINANCIAL,GA,"XXXXSynchrony Bank changed my account billing preferences to "" paperless billing '' without my consent. I have a screen shot as documentation of this change to my account. This resulted in no bills being sent to my home. Synchrony Bank reported my account delinquent to the credit bureau and cancelled my credit card when the payment was only XXXX days past the due date. I never received a letter or call about the alleged account delinquency. I have had this account since XXXX with exceptional payment history and have a XXXX XXXX XXXX of over XXXX. When I called Synchrony Bank on XX/XX/XXXX after my card was declined in a XXXX XXXX store the representative with whom I spoke was very rude and would not provide all the details about billing I requested. The balance on my account has been increased from {$160.00} to {$200.00} due to late fees and interest. My reason for this complaint to CFPB is due to Synchrony Bank changing my billing preferences without my consent not sending me bills or any letter stating my account was delinquent. This is simply an unfair business practice and a very poor way to treat a customer of over XXXX years who has exceptional credit history.",credit card debt written notification about debt synchrony financial GA xxxxsynchrony bank changed my account billing preferences to paperless billing without my consent i have a screen shot as documentation of this change to my account this resulted in no bills being sent to my home synchrony bank reported my account delinquent to the credit bureau and cancelled my credit card when the payment was only xxxx days past the due date i never received a letter or call about the alleged account delinquency i have had this account since xxxx with exceptional payment history and have a xxxx xxxx xxxx of over xxxx when i called synchrony bank on xxxxxxxx after my card was declined in a xxxx xxxx store the representative with whom i spoke was very rude and would not provide all the details about billing i requested the balance on my account has been increased from to due to late fees and interest my reason for this complaint to cfpb is due to synchrony bank changing my billing preferences without my consent not sending me bills or any letter stating my account was delinquent this is simply an unfair business practice and a very poor way to treat a customer of over xxxx years who has exceptional credit history,"['without consent', 'credit bureaus', 'customer service', 'late fee', 'delinquent']"
103,1027243,43586,Store credit card,Improper use of your report,SYNCHRONY FINANCIAL,AR,I notice I had an hard inquiry on my credit report on XX/XX/2019 for a credit card from syncb/amazon. I did not request a credit card. This is all the information I have about the company Syncb/amazon XXXX FL XXXX ( XXXX ) XXXX,store credit card improper use of your report synchrony financial AR i notice i had an hard inquiry on my credit report on xxxx for a credit card from syncbamazon i did not request a credit card this is all the information i have about the company syncbamazon xxxx fl xxxx xxxx xxxx,"['hard inquiry', 'credit report', 'Amazon']"
104,1027275,44531,Store credit card,Closing your account,SYNCHRONY FINANCIAL,MI,Synchrony Bank without notice closed my XXXX account on XX/XX/XXXX. The account has been active since XXXX with an excellent history. With the recent Pandemic I have not used the card regularly over the last XXXX years ; however was planing to use in the next month. I called on Synchrony Bank on XX/XX/XXXX when reviewing my credit wise and credit karma accounts since my available credit decreased. I have XXXX accounts with Synchrony Bank XXXX XXXXXXXX XXXX XXXX All have exceptional history. They did the same thing with my XXXX XXXX account and I reopened the line. This causes me additional inquires and lost history which both are a detriment to my credit history. I received no written or verbal notice of the intention required action which is bad business. I asked for the account to be reopened since I was within 30 days of noticing. the representative stated that I would need to reapply. I asked to speak with a supervisor after XXXX minutes of hold time I decided to proceed with this complanint.,store credit card closing your account synchrony financial MI synchrony bank without notice closed my xxxx account on xxxxxxxx the account has been active since xxxx with an excellent history with the recent pandemic i have not used the card regularly over the last xxxx years however was planing to use in the next month i called on synchrony bank on xxxxxxxx when reviewing my credit wise and credit karma accounts since my available credit decreased i have xxxx accounts with synchrony bank xxxx xxxxxxxx xxxx xxxx all have exceptional history they did the same thing with my xxxx xxxx account and i reopened the line this causes me additional inquires and lost history which both are a detriment to my credit history i received no written or verbal notice of the intention required action which is bad business i asked for the account to be reopened since i was within days of noticing the representative stated that i would need to reapply i asked to speak with a supervisor after xxxx minutes of hold time i decided to proceed with this complanint,"['account closed', 'customer service']"
105,1028097,43617,Store credit card,Closing your account,SYNCHRONY FINANCIAL,PA,InXX/XX/2019 I received 2 notifications from XXXX XXXX that my JCPenney credit card account was closed by the creditor. XXXX reported it closed XX/XX/19 and XXXX on XX/XX/2019. However my account is still open because I used my card a couple times in XX/XX/2019 one of the purchases was made on XX/XX/2019. I never got any notification from the creditor that my account was closing and my account is not delinquent. This is not okay.,store credit card closing your account synchrony financial PA inxxxx i received notifications from xxxx xxxx that my jcpenney credit card account was closed by the creditor xxxx reported it closed xxxx and xxxx on xxxx however my account is still open because i used my card a couple times in xxxx one of the purchases was made on xxxx i never got any notification from the creditor that my account was closing and my account is not delinquent this is not okay,"['JC Penney', 'account closed']"
106,1028715,43617,Store credit card,Closing your account,SYNCHRONY FINANCIAL,CA,I received the first written letter back in XXXX indicating that my QCARD credit limit had been reduced from {$500.00} to {$100.00} due to no purchase activity on the QCARD. Last year I used the QCARD and paid off my purchase and had not used it since. I received a letter dated XX/XX/XXXX stated that SYNCHRONY BANK has decided to close the QCARD account. The QCARD account has a XXXX balance and there has been no activity. There reason for closing the account is that they used a credit scoring system to predict my creditworthiness and based upon some information used form XXXX XXXX XXXX. SYNCHRONY BANK does not like consumer 's with XXXX QCARD credit balances.,store credit card closing your account synchrony financial CA i received the first written letter back in xxxx indicating that my qcard credit limit had been reduced from to due to no purchase activity on the qcard last year i used the qcard and paid off my purchase and had not used it since i received a letter dated xxxxxxxx stated that synchrony bank has decided to close the qcard account the qcard account has a xxxx balance and there has been no activity there reason for closing the account is that they used a credit scoring system to predict my creditworthiness and based upon some information used form xxxx xxxx xxxx synchrony bank does not like consumer s with xxxx qcard credit balances,"['credit limit decrease', 'account closed']"
107,1028840,44470,General-purpose credit card or charge card,Advertising and marketing including promotional offers,SYNCHRONY FINANCIAL,NV,"On XX/XX/2021 I was trying to order a pizza with my existing NON CREDIT Paypal account. Upon checkout I was not given any warnings nor did I consent to a credit card application. I found out that PayPal signed me up for a new credit card to make the charge. All communication about this was sent to my junk email and I never submitted the appropriate information ( PII SSN DOB ). The card was opened and I found out two weeks later from a XXXX XXXX email. Upon realizing this I immediately logged into paypal - saw this new card contacted the company closed the card and the balance. While talking to a representative I mentioned the confusion and how i was not informed nor was it my intention to open a card. The representative from PayPal responded saying it was probably an add or an auto-checked box in paypal that signed me up and there was nothing I could do to fix the hard inquiry new line of credit or this because it wasn't really "" fraud ''. Incredibly disappointing at just how misleading this situation was that a new line of credit was opened in my name without my informed consent and with extremely misleading advertising.",generalpurpose credit card or charge card advertising and marketing including promotional offers synchrony financial NV on xxxx i was trying to order a pizza with my existing non credit paypal account upon checkout i was not given any warnings nor did i consent to a credit card application i found out that paypal signed me up for a new credit card to make the charge all communication about this was sent to my junk email and i never submitted the appropriate information pii ssn dob the card was opened and i found out two weeks later from a xxxx xxxx email upon realizing this i immediately logged into paypal saw this new card contacted the company closed the card and the balance while talking to a representative i mentioned the confusion and how i was not informed nor was it my intention to open a card the representative from paypal responded saying it was probably an add or an autochecked box in paypal that signed me up and there was nothing i could do to fix the hard inquiry new line of credit or this because it wasnt really fraud incredibly disappointing at just how misleading this situation was that a new line of credit was opened in my name without my informed consent and with extremely misleading advertising,"['PayPal', 'never applied', 'customer service', 'hard inquiry', 'fraud', 'without consent']"
108,1028955,44927,Store credit card,Closing your account,SYNCHRONY FINANCIAL,NC,I have had a card with Synchrony Bank for over a year. I got the card through XXXX. I bought doors on it and I had my bank on automatic payment to pay it off. I over paid and they sent me a check XX/XX/2022 with the overpayment. I just bought cabinets on the card on XX/XX/2022. I set up the payments for my bank to draft a monthly payment to them. I sent them a payment in XXXX and XXXX. In XXXX they tried 2 times to draft my bank for the full amount unbeknownst to me. I did not have the funds in that acct for the full payment of over XXXX. They immediately closed my account. I have reached out to them two times and the first time the manager looked over my payments and said that she would send it to the board to review. I spoke with another manager yesterday and she told me too bad. It appears that the acct switched over to pay in full. I informed her this was a glitch on the computer programs and not mine. She could see that I was paying each month. She told me there is nothing that they could do. I informed her this would hurt my credit score and that I have good credit. She said there was nothing that I could do and that the account was closed. She also told me that I could open up another card. Please help me figure this out and repair my credit. I shouldn't be penalized for a glitch in their system.,store credit card closing your account synchrony financial NC i have had a card with synchrony bank for over a year i got the card through xxxx i bought doors on it and i had my bank on automatic payment to pay it off i over paid and they sent me a check xxxx with the overpayment i just bought cabinets on the card on xxxx i set up the payments for my bank to draft a monthly payment to them i sent them a payment in xxxx and xxxx in xxxx they tried times to draft my bank for the full amount unbeknownst to me i did not have the funds in that acct for the full payment of over xxxx they immediately closed my account i have reached out to them two times and the first time the manager looked over my payments and said that she would send it to the board to review i spoke with another manager yesterday and she told me too bad it appears that the acct switched over to pay in full i informed her this was a glitch on the computer programs and not mine she could see that i was paying each month she told me there is nothing that they could do i informed her this would hurt my credit score and that i have good credit she said there was nothing that i could do and that the account was closed she also told me that i could open up another card please help me figure this out and repair my credit i shouldnt be penalized for a glitch in their system,"['credit card', 'autopay', 'account closed', 'customer service', 'credit score']"
109,1029760,44531,General-purpose credit card or charge card,Fees or interest,SYNCHRONY FINANCIAL,TX,"I was notified that the promotional offer was about to expire on my Care Credit Synchrony Bank Account so I increased payment from {$600.00} to {$900.00} in XXXX to cover the amount. The company then stated they charged interest on a second promotional offer on the same card that I was not aware of. The customer service representative stated that they had split the payment instead of applying it to the expiring offer. The supervisor then gave an entirely different explanation saying that there were 3 different offers and stated that there was a grace period but it had also expired. I was not notified about this either and was charged over {$1000.00} in interest fees. What I have available on promotional offers is a screen that says "" differed no interest if paid in full by XX/XX/2022 ''. This screen does not show any other offers. Charging interest is deceptive business practice. In addition I was charged interest on the entire balance which isn't supposed to be due until XX/XX/2022. I have attached a screenshot to show the only promotional offer I can see on the promotional offer screen. If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ) you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment ( Extended Payment Plan ) promotional purchase the Interest Charge is billed monthly and included as part of the Minimum Payment due. DEFERRED/NO INT IF PD IN FULL {$7600.00} Balance XX/XX/2022 Expiration Date",generalpurpose credit card or charge card fees or interest synchrony financial TX i was notified that the promotional offer was about to expire on my care credit synchrony bank account so i increased payment from to in xxxx to cover the amount the company then stated they charged interest on a second promotional offer on the same card that i was not aware of the customer service representative stated that they had split the payment instead of applying it to the expiring offer the supervisor then gave an entirely different explanation saying that there were different offers and stated that there was a grace period but it had also expired i was not notified about this either and was charged over in interest fees what i have available on promotional offers is a screen that says differed no interest if paid in full by xxxx this screen does not show any other offers charging interest is deceptive business practice in addition i was charged interest on the entire balance which isnt supposed to be due until xxxx i have attached a screenshot to show the only promotional offer i can see on the promotional offer screen if you have a deferred interestno interest if paid in full promotion to avoid paying deferred interest charges on these promotion s you must pay the entire applicable promotional balance by the promotional expiration date on a fixed payment extended payment plan promotional purchase the interest charge is billed monthly and included as part of the minimum payment due deferredno int if pd in full balance xxxx expiration date,"['Care Credit', 'interest', 'customer service', 'deferred interest']"
110,1029835,44531,Store credit card,Closing your account,SYNCHRONY FINANCIAL,CA,XXXX XXXXXXXX XX/XX/XXXX I received an e-mail advising that my XXXX XXXX account was closed. I attempted to contact them 15 times to try to resolve this issue. My account was paid in full. I was never late. All the customer service representatives that I spoke to were extremely rude. I asked why was my account closed when I did not request to have it closed. XXXX XXXX Credit CardXXXX XX/XX/XXXX I attempted to use my XXXX XXXX credit card and was advised that my credit was decreased all the way down to {$150.00}. When I asked why I was advised that i would need to contact the credit agency to find out why.,store credit card closing your account synchrony financial CA xxxx xxxxxxxx xxxxxxxx i received an email advising that my xxxx xxxx account was closed i attempted to contact them times to try to resolve this issue my account was paid in full i was never late all the customer service representatives that i spoke to were extremely rude i asked why was my account closed when i did not request to have it closed xxxx xxxx credit cardxxxx xxxxxxxx i attempted to use my xxxx xxxx credit card and was advised that my credit was decreased all the way down to when i asked why i was advised that i would need to contact the credit agency to find out why,"['account closed', 'customer service', 'credit limit decrease', 'credit bureaus']"
111,1031323,44531,Store credit card,Getting a credit card,SYNCHRONY FINANCIAL,NY,i went to check out at XXXXTJ Maxx with my credit card. The cashier asked if i had a rewards number. I said i think i did but she said she couldn't look it up as it was confidential and they had changed their system. She asked if i wanted a new number for 10 % off. I said sure. Instead of getting me a new number she opened up a credit card for me! and charged to the new credit card. I had given her my own credit card and had assumed she charged that card. Now i have a credit card i don't want and i didnt even give her my address so i have no idea where that credit card will go and she likely put her own info in and will get that credit card and charge me. I sent an email to XXXX but really don't know what to do now.,store credit card getting a credit card synchrony financial NY i went to check out at xxxxtj maxx with my credit card the cashier asked if i had a rewards number i said i think i did but she said she couldnt look it up as it was confidential and they had changed their system she asked if i wanted a new number for off i said sure instead of getting me a new number she opened up a credit card for me and charged to the new credit card i had given her my own credit card and had assumed she charged that card now i have a credit card i dont want and i didnt even give her my address so i have no idea where that credit card will go and she likely put her own info in and will get that credit card and charge me i sent an email to xxxx but really dont know what to do now,"['TJMaxx', 'credit card', 'without consent']"
112,1033106,43586,Store credit card,Closing your account,SYNCHRONY FINANCIAL,NM,I have a small limit Old Navy credit card from synchrony Bank. On XX/XX/19 I was sent a letter that because my credit score dropped a few points they closed my account. The balance was XXXX and there had never been a late or minimum payment on the account. My complaint is the unfair penalization of closing my account further lowering my credit score when I never had a late payment or any other issues paying this account or any other credit cards. Also requiring me to take yet ANOTHER hit to my credit score if I ever wish to apply again. How is this practice even legal?,store credit card closing your account synchrony financial NM i have a small limit old navy credit card from synchrony bank on xxxx i was sent a letter that because my credit score dropped a few points they closed my account the balance was xxxx and there had never been a late or minimum payment on the account my complaint is the unfair penalization of closing my account further lowering my credit score when i never had a late payment or any other issues paying this account or any other credit cards also requiring me to take yet another hit to my credit score if i ever wish to apply again how is this practice even legal,"['credit card', 'credit score', 'account closed']"
113,1033855,44958,General-purpose credit card or charge card,Trouble using your card,SYNCHRONY FINANCIAL,AZ,Company decreased limit by just enough money to make cover the balance on the card. There is absolutely no cause for this decrease and will affect my credit negatively. I have never missed a payment been late nothing. Absolutely no cause for this action by the company. Reached out to the company with no success. I am an XXXX who makes most of my yearly income from XXXX XXXX I use my cards throughout the year and pay them down completely during these months. Reducing my credit line now to put me close to the balance shows on my credit report as an extreme negative with my balance near 100 % this is not only extremely negative to my credit report but my overall credit wellbeing.,generalpurpose credit card or charge card trouble using your card synchrony financial AZ company decreased limit by just enough money to make cover the balance on the card there is absolutely no cause for this decrease and will affect my credit negatively i have never missed a payment been late nothing absolutely no cause for this action by the company reached out to the company with no success i am an xxxx who makes most of my yearly income from xxxx xxxx i use my cards throughout the year and pay them down completely during these months reducing my credit line now to put me close to the balance shows on my credit report as an extreme negative with my balance near this is not only extremely negative to my credit report but my overall credit wellbeing,"['credit limit decrease', 'customer service', 'credit report']"
114,1036203,44531,Store credit card,Trouble using your card,SYNCHRONY FINANCIAL,FL,Synchrony Bank lowered my credit limit to {$500.00} from {$700.00} on XX/XX/XXXX as the letter stated. At that time and even now I have never been late with paying on that credit card. After I called to resolve the issue the agent would not even tell me why my limit was lowered and I had to search my email for the reason. The agent also told me there was nothing that could be done to get my previous credit limit back accept run my credit again to see if it would be approved. The agent ran my credit again and I was denied to get my original credit limit back or anything higher,store credit card trouble using your card synchrony financial FL synchrony bank lowered my credit limit to from on xxxxxxxx as the letter stated at that time and even now i have never been late with paying on that credit card after i called to resolve the issue the agent would not even tell me why my limit was lowered and i had to search my email for the reason the agent also told me there was nothing that could be done to get my previous credit limit back accept run my credit again to see if it would be approved the agent ran my credit again and i was denied to get my original credit limit back or anything higher,"['credit limit decrease', 'customer service', 'credit score']"
115,1036981,44531,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,CA,I reviewed my 3 credit bureaus reports recently and noticed some unauthorized inquiries on my credit report. I called each individual company to report the inquiries as unauthorized. However they are still listed on my report. These inquiries are inaccurate and unrecognized by me. I am requesting the immediate removal of all inquiries listed below by each credit bureau. Unknown Inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX Unknown Inquiries From XXXX XXXX ) SYNCB/PayPal- XX/XX/XXXX XXXX ) Synchrony Financial XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) SYNCB/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX SYNCBXXXX XX/XX/XXXX Unknown Inquiries From XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX,credit reporting improper use of your report synchrony financial CA i reviewed my credit bureaus reports recently and noticed some unauthorized inquiries on my credit report i called each individual company to report the inquiries as unauthorized however they are still listed on my report these inquiries are inaccurate and unrecognized by me i am requesting the immediate removal of all inquiries listed below by each credit bureau unknown inquiries from xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxxxxxx xxxx xxxx xxxx xxxx xxxx unknown inquiries from xxxx xxxx syncbpaypal xxxxxxxx xxxx synchrony financial xxxxxxxx xxxx xxxx xxxxxxxxxxxx xxxx xxxx xxxx xxxxxxxxxxxx xxxx syncbxxxx xxxx xxxx xxxx xxxxxxxx xxxxxxxx xxxx xxxx syncbxxxx xxxxxxxx unknown inquiries from xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxxxxxx xxxx xxxx xxxx xxxx xxxx xxxxxxxx xxxx xxxx xxxx xxxx xxxxxxxxxxxx,"['credit bureaus', 'hard inquiry', 'credit report']"
116,1037527,44136,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,NY,XXXX continually refuses to take off more importantly thoroughly investigate XXXX XXXX alleged collections reporting against me. XXXX and XXXX have complied and done there due diligence and have removed XXXX XXXX fraudulent phantom debt. I have suffered severe consequences solely based on XXXX failure to investigate this phantom debt and factually XXXX has continually lowered my credit report and when I look why it states no new change. I have suffered from the Covid-19 pandemic massive loss and continue to be impacted by the consequences of Covid-19 yet XXXX continues to drop my credit score and has refused to remove XXXX XXXX from my credit report. XXXX has single handedly destroyed all possibilities for me to take out a personal loan. There questionable business practices are destroying my livelihood and the well-being of my family.,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial NY xxxx continually refuses to take off more importantly thoroughly investigate xxxx xxxx alleged collections reporting against me xxxx and xxxx have complied and done there due diligence and have removed xxxx xxxx fraudulent phantom debt i have suffered severe consequences solely based on xxxx failure to investigate this phantom debt and factually xxxx has continually lowered my credit report and when i look why it states no new change i have suffered from the covid pandemic massive loss and continue to be impacted by the consequences of covid yet xxxx continues to drop my credit score and has refused to remove xxxx xxxx from my credit report xxxx has single handedly destroyed all possibilities for me to take out a personal loan there questionable business practices are destroying my livelihood and the wellbeing of my family,"['debt collection agency', 'fraud', 'credit report', 'credit score']"
117,1039501,44958,General-purpose credit card or charge card,Other features terms or problems,SYNCHRONY FINANCIAL,MT,"I got a Paypal Mastercard ( from Synchrony Bank ) at the end of XXXX ( 2 months ago ) solely because of their attractive cashback program. Last week when the card was suddenly declined I discovered that Synchrony had closed the card due to me being "" an extreme credit risk '' which was a fraudulent act to begin with. I am the farthest thing from an extreme credit risk - not only did the card only have a $ XXXX limit the paypal account it was attached to had usually had $ 20k-40k in it for at least a decade now. And in my credit history the payment history on my last card was $ 20k- $ 40k a month paid in full without fail for at least a decade now. My credit rating is typically around 700. Since it happened so quick it's obvious that they're doing a monthly review of cashback accounts finding the ones that are costing them money ( like me ) and then closing them under false pretenses. Complete cheating and false advertising maybe not XXXX XXXX level but seems to me to be same concept. so I was going to file a complaint about this anyhow as the research I did about Synchrony Bank ahead of time had a strong "" caveat emptor '' flavor to it and people like this need to be exposed. BUT it got worse - yesterday I went to pay off my remaining balance partially using the {$700.00} in cash back credit I had built up in the last 2 months but lo and behold the cash back credit ( the only reason I got this card ) is gone. A quick call to Synchrony revealed that card terms include forfeiting any accumulated cash back if the account is closed for any reason. I've attached a screenshot of the cashback rewards summary on the paypal site- {$0.00} available but a lifetime ( last two months ) of {$690.00} that I was not able so use until they revoked it. so there's your fraud wrapped up in a neat bow - I got a card because of the cashback offer I use it too well so they close the account for a fraudulent reason and they then proceed to confiscate the rewards they gave me for using the cashback program. If that's not a scam then I don't know what is. I am 100 % willing to participate in any kind of class action suit or mass complaint against this company - obviously they're not going to stop misleading consumers unless there is some kind of tangible disincentive.",generalpurpose credit card or charge card other features terms or problems synchrony financial MT i got a paypal mastercard from synchrony bank at the end of xxxx months ago solely because of their attractive cashback program last week when the card was suddenly declined i discovered that synchrony had closed the card due to me being an extreme credit risk which was a fraudulent act to begin with i am the farthest thing from an extreme credit risk not only did the card only have a xxxx limit the paypal account it was attached to had usually had kk in it for at least a decade now and in my credit history the payment history on my last card was k k a month paid in full without fail for at least a decade now my credit rating is typically around since it happened so quick its obvious that theyre doing a monthly review of cashback accounts finding the ones that are costing them money like me and then closing them under false pretenses complete cheating and false advertising maybe not xxxx xxxx level but seems to me to be same concept so i was going to file a complaint about this anyhow as the research i did about synchrony bank ahead of time had a strong caveat emptor flavor to it and people like this need to be exposed but it got worse yesterday i went to pay off my remaining balance partially using the in cash back credit i had built up in the last months but lo and behold the cash back credit the only reason i got this card is gone a quick call to synchrony revealed that card terms include forfeiting any accumulated cash back if the account is closed for any reason ive attached a screenshot of the cashback rewards summary on the paypal site available but a lifetime last two months of that i was not able so use until they revoked it so theres your fraud wrapped up in a neat bow i got a card because of the cashback offer i use it too well so they close the account for a fraudulent reason and they then proceed to confiscate the rewards they gave me for using the cashback program if thats not a scam then i dont know what is i am willing to participate in any kind of class action suit or mass complaint against this company obviously theyre not going to stop misleading consumers unless there is some kind of tangible disincentive,"['PayPal', 'account closed', 'rewards', 'Terms and Conditions']"
118,1041035,45017,Credit card debt,False statements or representation,SYNCHRONY FINANCIAL,NY,I recieved a call from a Debt Collection Company ( XXXX ) saying that they received my information from Synchrony Bank and that I owed a {$110.00} debt that they were collecting on ( from a XXXX debt ). I explained that I did not have a PayPal credit card and that all Syncrony Bank debts have all been paid ( current balance {$0.00} ). The woman on the phone told me that for additional information regarding what the {$110.00} balance was referring to that I would need to call Syncrony directly and provided a number. I called Syncrony from the phone number found via XXXX ( fearing a scam ). I called many different numbers but was unable to actually speak with a customer service rep. After about 30 minutes of trying I finally called the number provided. It sounded like a legitmate Syncrony Help Line ( even mentioned FDIC Insured and that the call was recorded ). The customer service rep asked for my phone number and confimed my {$0.00} Balance. The rep DID ask for my social security number to look in the system to confirm there were no other outstanding balance that may not be tied to my phone number. Again no outstanding balances. Overall I am not sure what happened here- but I believe the inital call to be a scam.,credit card debt false statements or representation synchrony financial NY i recieved a call from a debt collection company xxxx saying that they received my information from synchrony bank and that i owed a debt that they were collecting on from a xxxx debt i explained that i did not have a paypal credit card and that all syncrony bank debts have all been paid current balance the woman on the phone told me that for additional information regarding what the balance was referring to that i would need to call syncrony directly and provided a number i called syncrony from the phone number found via xxxx fearing a scam i called many different numbers but was unable to actually speak with a customer service rep after about minutes of trying i finally called the number provided it sounded like a legitmate syncrony help line even mentioned fdic insured and that the call was recorded the customer service rep asked for my phone number and confimed my balance the rep did ask for my social security number to look in the system to confirm there were no other outstanding balance that may not be tied to my phone number again no outstanding balances overall i am not sure what happened here but i believe the inital call to be a scam,"['debt collection agency', 'PayPal', 'social security']"
119,1041545,44835,Credit card debt,Written notification about debt,SYNCHRONY FINANCIAL,MA,About XXXX XXXX years ago I opened an account with qvc. About a month ago with no notice no validation no communications they shut down my account... .my purchases were paid by my personal credit card. When I questioned why I was shut down they qvc stated that I owe a balance of XXXX with synchrony bank from 2017 ... to contact the collection agency XXXX...... I contacted the collection agency and they no longer have this account. When I informed qvc of this they stated that I can no longer shop at qvc and that im barred and that synchrony has written off the account. Before the shut down on my account I was paying on my purchases ... as explained never got any validation of this XXXX debt with synchrony ... this is on my credit report and would like it to be removed it is a degrotory remark ... .because my account was shut down and still paying on purchases I can not access my account... I still owe around XXXX ... .because of not being notifies of the shut down on my account and I still liable for the remaining balance.,credit card debt written notification about debt synchrony financial MA about xxxx xxxx years ago i opened an account with qvc about a month ago with no notice no validation no communications they shut down my account my purchases were paid by my personal credit card when i questioned why i was shut down they qvc stated that i owe a balance of xxxx with synchrony bank from to contact the collection agency xxxx i contacted the collection agency and they no longer have this account when i informed qvc of this they stated that i can no longer shop at qvc and that im barred and that synchrony has written off the account before the shut down on my account i was paying on my purchases as explained never got any validation of this xxxx debt with synchrony this is on my credit report and would like it to be removed it is a degrotory remark because my account was shut down and still paying on purchases i can not access my account i still owe around xxxx because of not being notifies of the shut down on my account and i still liable for the remaining balance,"['account closed', 'credit card', 'debt collection agency', 'credit report']"
120,1042901,45047,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,TX,Ive already talked to Rooms 2 Go for years about this credit card that my son opened with my name and used without my permission due to injuries sustained while in the serving in the military I was left unable to take care of myself and was at the mercy of my family who multiple people opened account in my name without my permission. XXXX XXXX threatened to sue me even though they were aware of all of this information and even misrepresented themselves as another card company in attempts to get money from me. They have messed up my credit even more and made it very difficult for me in my pursuit of happiness. I currently suffer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not only has this unjustified action against me wronged me on so many factors but Rooms 2 Go is literally agitating my already severe ailments.,credit card debt attempts to collect debt not owed synchrony financial TX ive already talked to rooms go for years about this credit card that my son opened with my name and used without my permission due to injuries sustained while in the serving in the military i was left unable to take care of myself and was at the mercy of my family who multiple people opened account in my name without my permission xxxx xxxx threatened to sue me even though they were aware of all of this information and even misrepresented themselves as another card company in attempts to get money from me they have messed up my credit even more and made it very difficult for me in my pursuit of happiness i currently suffer from xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx not only has this unjustified action against me wronged me on so many factors but rooms go is literally agitating my already severe ailments,"['credit card', 'without consent', 'threaten']"
121,1043240,44986,Mobile or digital wallet,Fraud or scam,SYNCHRONY FINANCIAL,CA,I contact PayPal about a fake account that took XXXX dollars from my account in PayPal credit. They transferred it to their account. There was also a XXXX XXXX XXXX for {$300.00} to an account I did not authorize. They were all fake accounts under fake names.,mobile or digital wallet fraud or scam synchrony financial CA i contact paypal about a fake account that took xxxx dollars from my account in paypal credit they transferred it to their account there was also a xxxx xxxx xxxx for to an account i did not authorize they were all fake accounts under fake names,"['PayPal', 'fake']"
122,1043587,43617,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,TN,SYNCB/CAR CARE XXXX XXXX credit card is why my credit report took a hit due to my wife misplacing the bill and forgot to call in a payment for {$34.00} dollars than my credit report took a big hit and I really don't appreciate being treated like that due to me being a XXXX XXXX XXXX being gone during that time. We received no calls or late statements during this time so when I called them XXXXXX/XX/2019 they told me my account wasn't showing late or delinquent. That's pretty sad when your a Veteran and treated that way due to one payment of {$34.00} dollars XXXX your credit up as much has we use it for once this card is paid in full I will be cutting it up and closing it and going somewhere else. This is totally absurd to be treated this way.,credit reporting incorrect information on your report synchrony financial TN syncbcar care xxxx xxxx credit card is why my credit report took a hit due to my wife misplacing the bill and forgot to call in a payment for dollars than my credit report took a big hit and i really dont appreciate being treated like that due to me being a xxxx xxxx xxxx being gone during that time we received no calls or late statements during this time so when i called them xxxxxxxx they told me my account wasnt showing late or delinquent thats pretty sad when your a veteran and treated that way due to one payment of dollars xxxx your credit up as much has we use it for once this card is paid in full i will be cutting it up and closing it and going somewhere else this is totally absurd to be treated this way,"['Care Credit', 'credit card', 'credit report']"
123,1044097,44531,Store credit card,Closing your account,SYNCHRONY FINANCIAL,FL,Synchrony Bank / Ashley Furniture closed my account that is in good standing with no reason. Theyve done this to me with XXXX XXXX card after making a payment. Researched this issue online and it looks as though they seem to do this frequently. This should be completely illegal.,store credit card closing your account synchrony financial FL synchrony bank ashley furniture closed my account that is in good standing with no reason theyve done this to me with xxxx xxxx card after making a payment researched this issue online and it looks as though they seem to do this frequently this should be completely illegal,"['Ashley Furniture', 'account closed']"
124,1044585,45017,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,CA,There are several inquires on my credit file that dont belong to me and I dont recognize I asked the bureau to investigate and they failed to do so,credit reporting improper use of your report synchrony financial CA there are several inquires on my credit file that dont belong to me and i dont recognize i asked the bureau to investigate and they failed to do so,"['hard inquiry', 'credit report', 'credit bureaus']"
125,1045932,44531,General-purpose credit card or charge card,Fees or interest,SYNCHRONY FINANCIAL,AL,I will keep submitting this case until the people whos behind PayPal credit pays for the scam they are doing with late fees to consumers like me. The whole problem that yall purposely create with the way we can pay or not our debts are a full fraud to consumers and a violation of federal law. My debt is with PayPal credit if I want to pay using PayPal because thats the only way I want to do it yall are no one to interfere and limit the form of payments I can use. Ive already explained the problem that you your company and PayPal created to charge fraudulently late fees. You stated that the only way I can pay on my PayPal account is using an existing linked bank account let me explain something that you probably arent aware if thats the case why PayPal credit have the option of adding a card or a bank on the payment section? Man Im not a fool as you think. Im seeking for a whole erase of the late fees if you your company and PayPal creates this whole mess yall are suppose to stand because yall are in violation of federal law. I will submit my proof of the matter as I always do to the state attorney the local news and I will send this story to the XXXX XXXX as well. Your game is about to go down.,generalpurpose credit card or charge card fees or interest synchrony financial AL i will keep submitting this case until the people whos behind paypal credit pays for the scam they are doing with late fees to consumers like me the whole problem that yall purposely create with the way we can pay or not our debts are a full fraud to consumers and a violation of federal law my debt is with paypal credit if i want to pay using paypal because thats the only way i want to do it yall are no one to interfere and limit the form of payments i can use ive already explained the problem that you your company and paypal created to charge fraudulently late fees you stated that the only way i can pay on my paypal account is using an existing linked bank account let me explain something that you probably arent aware if thats the case why paypal credit have the option of adding a card or a bank on the payment section man im not a fool as you think im seeking for a whole erase of the late fees if you your company and paypal creates this whole mess yall are suppose to stand because yall are in violation of federal law i will submit my proof of the matter as i always do to the state attorney the local news and i will send this story to the xxxx xxxx as well your game is about to go down,"['PayPal', 'scam', 'late fee', 'fraud', 'violation']"
126,1046499,44256,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,WA,There are two labeled unpaid accounts affecting my credit score though I have already paid for them. Those two XXXX XXXX and Amazon and sync/Amazon are really affecting my score whereby hindering me from getting my VA loan benefit. I would like you to consider the possibility of helping clear those anomalies from my account. Thanks XXXX XXXX XXXX,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial WA there are two labeled unpaid accounts affecting my credit score though i have already paid for them those two xxxx xxxx and amazon and syncamazon are really affecting my score whereby hindering me from getting my va loan benefit i would like you to consider the possibility of helping clear those anomalies from my account thanks xxxx xxxx xxxx,"['credit score', 'Amazon']"
127,1049252,44531,Store credit card,Incorrect information on your report,SYNCHRONY FINANCIAL,CA,I received a letter on XX/XX/2021 from synchrony Bank stating that I had applied for a TJ Maxx rewards card credit card. I never applied for that card.,store credit card incorrect information on your report synchrony financial CA i received a letter on xxxx from synchrony bank stating that i had applied for a tj maxx rewards card credit card i never applied for that card,"['credit card', 'TJMaxx', 'never applied']"
128,1049695,44531,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,IN,I have contacted Amazon Store Card / Synchrony Bank regarding multiple returns that I sent back and received confirmation of those returns via email to XXXX on Friday XX/XX/2021 and yet my Store card is not refunded. So they have the merchandise acknowledged the returns but wont credit my credit card and are collecting interest. This is criminal. Called today and the response is typical it can take a week or more .... huh?? I dont thing so and if I open a dispute it can take 90 days so its like a threat not to open a dispute.,credit card debt attempts to collect debt not owed synchrony financial IN i have contacted amazon store card synchrony bank regarding multiple returns that i sent back and received confirmation of those returns via email to xxxx on friday xxxx and yet my store card is not refunded so they have the merchandise acknowledged the returns but wont credit my credit card and are collecting interest this is criminal called today and the response is typical it can take a week or more huh i dont thing so and if i open a dispute it can take days so its like a threat not to open a dispute,"['Amazon', 'credit card', 'interest', 'threaten', 'dispute']"
129,1051324,44531,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,FL,Synchrony Bank ( managing PayPal credit card ) has placed a fraudulent charge in my PayPal credit card. Have have been constantly harassing with phone calls asking to pay something I bought using my PayPal money that is in my PayPal account. They call me from the phone # XXXX XXXX XXXX demanding payment. I have spoke to them back in XXXX and XXXX XXXX and also this past XX/XX/21. When I requested to speak to a manager and confronted him about the fraudulent charges he came up with the excuse that back in XX/XX/21 I had made some purchases from a XXXX online store named XXXX and the PayPal money account had requested their help. I told this manager that the credit card is not involved in any form or way in the mentioned purchase. I explained to him again that I paid with my PayPal money and that the purchase was returned to XXXX in XX/XX/21 because they falsely advertised the merchandise and sent me something I could not use. I asked this man to close the credit card PayPal account ( which I never asked for ). I want these crooks to stop bothering me and to remove any notice that may have added to my credit report.,credit card debt attempts to collect debt not owed synchrony financial FL synchrony bank managing paypal credit card has placed a fraudulent charge in my paypal credit card have have been constantly harassing with phone calls asking to pay something i bought using my paypal money that is in my paypal account they call me from the phone xxxx xxxx xxxx demanding payment i have spoke to them back in xxxx and xxxx xxxx and also this past xxxx when i requested to speak to a manager and confronted him about the fraudulent charges he came up with the excuse that back in xxxx i had made some purchases from a xxxx online store named xxxx and the paypal money account had requested their help i told this manager that the credit card is not involved in any form or way in the mentioned purchase i explained to him again that i paid with my paypal money and that the purchase was returned to xxxx in xxxx because they falsely advertised the merchandise and sent me something i could not use i asked this man to close the credit card paypal account which i never asked for i want these crooks to stop bothering me and to remove any notice that may have added to my credit report,"['PayPal', 'credit card', 'fraud', 'harass', 'customer service']"
130,1051383,44317,Store credit card,Trouble using your card,SYNCHRONY FINANCIAL,IN,I've been an upstanding JCPenney customer for years with a credit limit of {$700.00} and I've always paid my bill on time and my purchases have always stayed at XXXX XXXX of my limit or less. I just found out that they reduced my limit from XXXX to XXXX because my credit score dropped due to an inquiry. They are the only one of my merchants to do this and I have an excellent record for paying all of my bills on time. I called JCPenney to discuss this and I even spoke to a manager but they said there was nothing they could do.,store credit card trouble using your card synchrony financial IN ive been an upstanding jcpenney customer for years with a credit limit of and ive always paid my bill on time and my purchases have always stayed at xxxx xxxx of my limit or less i just found out that they reduced my limit from xxxx to xxxx because my credit score dropped due to an inquiry they are the only one of my merchants to do this and i have an excellent record for paying all of my bills on time i called jcpenney to discuss this and i even spoke to a manager but they said there was nothing they could do,"['JC Penney', 'credit limit decrease', 'customer service']"
131,1073108,44562,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,DE,I had made a couple of purchases using PayPal credit ( Synchrony Bank ). These purchases are showing up on my statement but they are showing up twice on my statements. They are showing the original valid charge but they are showing another charge the very next day for the exact same amount which is a duplicate. This has happened for 4 transactions. On my statements the 4 valid charges are showing and then a day later from each of the 4 another charge for the exact same amount. Synchrony insists I was not double charged and I have tried several times to get them to resolve this they have not and keep insisting I wasn't double charged despite the double charges appearing on my statement for a few months and also showing on their website. I believe they have something terribly wrong. They can tell me I wasn't double charged but their bill to me shows me I was.,generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial DE i had made a couple of purchases using paypal credit synchrony bank these purchases are showing up on my statement but they are showing up twice on my statements they are showing the original valid charge but they are showing another charge the very next day for the exact same amount which is a duplicate this has happened for transactions on my statements the valid charges are showing and then a day later from each of the another charge for the exact same amount synchrony insists i was not double charged and i have tried several times to get them to resolve this they have not and keep insisting i wasnt double charged despite the double charges appearing on my statement for a few months and also showing on their website i believe they have something terribly wrong they can tell me i wasnt double charged but their bill to me shows me i was,"['PayPal', 'double charged']"
132,1097043,44501,General-purpose credit card or charge card,Fees or interest,SYNCHRONY FINANCIAL,NY,"I have a credit card with Synchrony bank which I am using to pay for my furnace/ac installation. Payments are due the XXXX of each month. My first payment was due XX/XX/XXXX2021. This is my payment history : XX/XX/XXXX {$560.00} ; XX/XX/XXXX {$670.00} ; XX/XX/XXXX {$670.00} ; XX/XX/XXXX {$650.00}. Note : all of these payments are significantly higher than the amounts due. However when I paid the XX/XX/XXXX payment I received a notice that my XXXX payment was "" late ''. It clearly wasn't as I'd made 4 payments in 3 months. When I contacted Synchrony I was told I was charged a {$28.00} late fee because I had paid the bill EARLY and they had applied the XX/XX/XXXX payment to the "" wrong month ''. Nothing in my consumer agreement penalizes me for paying my bill early. I was told that the fee would be "" waived '' ( suggesting they were doing me a favor ) and that I only could get 1 "" waiver '' every 12 months. I also was told that if I paid the bill early again I'd be billed a late fee again. This is fraud plain and simple. XXXX should not be allowed to get away with this. If they're doing it to me they're doing it to everyone.",generalpurpose credit card or charge card fees or interest synchrony financial NY i have a credit card with synchrony bank which i am using to pay for my furnaceac installation payments are due the xxxx of each month my first payment was due xxxxxxxx this is my payment history xxxxxxxx xxxxxxxx xxxxxxxx xxxxxxxx note all of these payments are significantly higher than the amounts due however when i paid the xxxxxxxx payment i received a notice that my xxxx payment was late it clearly wasnt as id made payments in months when i contacted synchrony i was told i was charged a late fee because i had paid the bill early and they had applied the xxxxxxxx payment to the wrong month nothing in my consumer agreement penalizes me for paying my bill early i was told that the fee would be waived suggesting they were doing me a favor and that i only could get waiver every months i also was told that if i paid the bill early again id be billed a late fee again this is fraud plain and simple xxxx should not be allowed to get away with this if theyre doing it to me theyre doing it to everyone,"['PayPal', 'late fee', 'fraud']"
133,1098902,45017,Store credit card,Trouble using your card,SYNCHRONY FINANCIAL,TX,Synchrony bank lowered my credit limit for my XXXXXXXX XXXX XXXX card. I believe this is unfair as it hurts my credit by causing the account to have a higher usage ratio compared to my credit report from XXXX XXXX,store credit card trouble using your card synchrony financial TX synchrony bank lowered my credit limit for my xxxxxxxx xxxx xxxx card i believe this is unfair as it hurts my credit by causing the account to have a higher usage ratio compared to my credit report from xxxx xxxx,"['credit limit decrease', 'credit score', 'credit report']"
134,1099200,43952,Store credit card,Other features terms or problems,SYNCHRONY FINANCIAL,AR,I ( consumer for Synchrony Financial ) DBA XXXX XXXX feel I have been a victim of unfair credit practices. I noticed my credit has taken a hit when the Financial Company has decreased my credit limit causing utilization to be way above what it should be. As having said so I was never made aware of my limit decreasing at random otherwise would have tried to find a way to pay more toward the account to take a less effect on my credit. Ive contacted Synchrony Financial XXXX XXXX STATES the bureau decides the changes need to be made. I as a consumer know that this information is false and many times calling into synchrony financial getting misled. This needs to be fixed as illegal practices can not be resumed as this is very damaging to consumers whom never received notices about changes in terms of the original agreement.,store credit card other features terms or problems synchrony financial AR i consumer for synchrony financial dba xxxx xxxx feel i have been a victim of unfair credit practices i noticed my credit has taken a hit when the financial company has decreased my credit limit causing utilization to be way above what it should be as having said so i was never made aware of my limit decreasing at random otherwise would have tried to find a way to pay more toward the account to take a less effect on my credit ive contacted synchrony financial xxxx xxxx states the bureau decides the changes need to be made i as a consumer know that this information is false and many times calling into synchrony financial getting misled this needs to be fixed as illegal practices can not be resumed as this is very damaging to consumers whom never received notices about changes in terms of the original agreement,"['hard inquiry', 'PayPal', 'credit score', 'credit card', 'never applied', 'identity theft']"
135,1099389,44682,General-purpose credit card or charge card,Fees or interest,SYNCHRONY FINANCIAL,MI,Synchrony Bank is charging me interest on late fees on an 18 month same as cash loan. When I accepted this card I was told I had a suggested monthly payment of {$75.00}. However they are billing me as if it is required. I have 18 months to pay this account before any interest or late fees are to be assessed,generalpurpose credit card or charge card fees or interest synchrony financial MI synchrony bank is charging me interest on late fees on an month same as cash loan when i accepted this card i was told i had a suggested monthly payment of however they are billing me as if it is required i have months to pay this account before any interest or late fees are to be assessed,"['interest', 'late fee']"
136,1101312,44409,General-purpose credit card or charge card,Problem when making payments,SYNCHRONY FINANCIAL,CA,I have a credit card through Synchrony Bank. It is a Care Credit Card that allows you to defer medical and certain other purchases. Every month I am forced to call them when I make a payment to make sure it's not allocated to my promotional purchases. This month they really screwed up. I called and specifically asked that my XXXX payment apply only to my current balance to pay it in full. When I checked my account 2 promotional balances had been paid off and I had a balance of almost {$1300.00}. I called and spoke to a manager named XXXX and told him what I had read in statute XXXX. He stated that their policy was different and this didn't apply to them. He was not going to reallocate the money until I told him that they record all conversations and that the mistake was made by their employee and I would not take no for an answer. Does this statute really not apply to them? It is beyond inconvenient to call every single month and hope that they get it right. Thank you!,generalpurpose credit card or charge card problem when making payments synchrony financial CA i have a credit card through synchrony bank it is a care credit card that allows you to defer medical and certain other purchases every month i am forced to call them when i make a payment to make sure its not allocated to my promotional purchases this month they really screwed up i called and specifically asked that my xxxx payment apply only to my current balance to pay it in full when i checked my account promotional balances had been paid off and i had a balance of almost i called and spoke to a manager named xxxx and told him what i had read in statute xxxx he stated that their policy was different and this didnt apply to them he was not going to reallocate the money until i told him that they record all conversations and that the mistake was made by their employee and i would not take no for an answer does this statute really not apply to them it is beyond inconvenient to call every single month and hope that they get it right thank you,"['credit card', 'Care Credit', 'medical', 'customer service']"
137,1102350,44197,Store credit card,Struggling to pay your bill,SYNCHRONY FINANCIAL,PA,I have been separated from my husband since 2018. I had to renovate an apartment for my young son and I with no financial aid from my husband. I have been using the Lowes credit services. I have not missed a payment for a year. The company applied all payments to the balance and not deferred interest. Therefore when the deferred interest hit it took my payments from {$50.00} to {$300.00} a month. As a single mom working for a XXXX XXXX I can not afford these payments. My husband refuses to help and is dragging out the divorce I filed for 2 years ago. Lowes refuses to assist me in a payment plan.,store credit card struggling to pay your bill synchrony financial PA i have been separated from my husband since i had to renovate an apartment for my young son and i with no financial aid from my husband i have been using the lowes credit services i have not missed a payment for a year the company applied all payments to the balance and not deferred interest therefore when the deferred interest hit it took my payments from to a month as a single mom working for a xxxx xxxx i can not afford these payments my husband refuses to help and is dragging out the divorce i filed for years ago lowes refuses to assist me in a payment plan,"['Lowes', 'deferred interest']"
138,1103526,44409,Store credit card,Problem when making payments,SYNCHRONY FINANCIAL,MA,I opened a store card through Synchrony Bank in late XXXX of 2019. The application said that my first payment was not due until XXXX of 2019. I attempted to make a payment but it would not allow me to. I called customer service after the first month and was told they have no record of my account. I continued to call and try to make payments but could not. I was then marked with a late payment in XXXX of 2019. It was only then that I was able to call and have them pull up my account. They would not cooperate with me or remove the late payment. I escalated the issue to upper management and was told that the late payment would be removed. It has been almost 2 years. I try to call but I get hung up on or can't connect at all.,store credit card problem when making payments synchrony financial MA i opened a store card through synchrony bank in late xxxx of the application said that my first payment was not due until xxxx of i attempted to make a payment but it would not allow me to i called customer service after the first month and was told they have no record of my account i continued to call and try to make payments but could not i was then marked with a late payment in xxxx of it was only then that i was able to call and have them pull up my account they would not cooperate with me or remove the late payment i escalated the issue to upper management and was told that the late payment would be removed it has been almost years i try to call but i get hung up on or cant connect at all,"['credit card', 'customer service']"
139,1103767,44986,General-purpose credit card or charge card,Improper use of your report,SYNCHRONY FINANCIAL,SC,I have several accounts serviced by Synchrony Bank. Some of these I have had since the 1980s. They were all closed with no warning call or email.They had been on time and were on auto pay. It has caused a considerable amount of mental anguish embarrassment and humiliation. You cant speak to a human so any contact is usually just a bunch mumbo jumbo XXXX. I have never been so shocked in my life when I needed to uses a CareCredt card at the hospital and the account was closed. Payments had been on time and I had plenty available credit. Some accounts had a XXXX balance were even closed. What can be done to punish or reprimand this agregious bank? Looking at their social media shows everyone is unhappy with the way they treat customers.,generalpurpose credit card or charge card improper use of your report synchrony financial SC i have several accounts serviced by synchrony bank some of these i have had since the s they were all closed with no warning call or emailthey had been on time and were on auto pay it has caused a considerable amount of mental anguish embarrassment and humiliation you cant speak to a human so any contact is usually just a bunch mumbo jumbo xxxx i have never been so shocked in my life when i needed to uses a carecredt card at the hospital and the account was closed payments had been on time and i had plenty available credit some accounts had a xxxx balance were even closed what can be done to punish or reprimand this agregious bank looking at their social media shows everyone is unhappy with the way they treat customers,"['account closed', 'autopay', 'Care Credit']"
140,1104897,44958,General-purpose credit card or charge card,Problem when making payments,SYNCHRONY FINANCIAL,GA,I entered into a payment plan with Synchronicity Bank for my TJ Max Rewards credit card and set up an initial payment. The payment was not processed until a week later at which point due to a bank issue where a deposit was delayed the payment did not go through. When I contacted Synchronicity I was told that there was no record of me having made a payment plan. I expressed my concerns over being reported for a 30 day late payment hence my attempt to make payment arrangements and was assured that as long as I made a payment prior to XX/XX/23 I would not be in any danger of my payment being reported as 30 days late to the credit bureaus. While on the phone with the reprsentative I made an online payment of {$110.00} far more than I was told I would need to for the payment arrangement which seemed to have never occurred according to the representative. Again my concern was the negative impact a 30 day late payment would have on my credit score. The payment was processed and I took a screenshot just to make sure in case I encountered yet another issue with this bank. I just received a credit alert that my score has decreased and the reason is that this bank reported me as being 30 days late despite my payment just a day prior to the cut off. Every bit of information I have been given by the representatives I spoke with at this bank has been incredibly faulty and misleading. I am now having to deal with a late payment that I made every good faith effort to avoid and have substantial proof of this.,generalpurpose credit card or charge card problem when making payments synchrony financial GA i entered into a payment plan with synchronicity bank for my tj max rewards credit card and set up an initial payment the payment was not processed until a week later at which point due to a bank issue where a deposit was delayed the payment did not go through when i contacted synchronicity i was told that there was no record of me having made a payment plan i expressed my concerns over being reported for a day late payment hence my attempt to make payment arrangements and was assured that as long as i made a payment prior to xxxx i would not be in any danger of my payment being reported as days late to the credit bureaus while on the phone with the reprsentative i made an online payment of far more than i was told i would need to for the payment arrangement which seemed to have never occurred according to the representative again my concern was the negative impact a day late payment would have on my credit score the payment was processed and i took a screenshot just to make sure in case i encountered yet another issue with this bank i just received a credit alert that my score has decreased and the reason is that this bank reported me as being days late despite my payment just a day prior to the cut off every bit of information i have been given by the representatives i spoke with at this bank has been incredibly faulty and misleading i am now having to deal with a late payment that i made every good faith effort to avoid and have substantial proof of this,"['TJMaxx', 'credit card', 'credit bureaus', 'customer service', 'credit score']"
141,1105619,44986,Credit card debt,Written notification about debt,SYNCHRONY FINANCIAL,TN,Sent letter end of XXXX to request account documentation to provide proof of debt. Never received. Then received notification that I was being sued by this debt collector each time I call I get different information. Phone calls have been recorded they are giving me the run around and refusing to provide proof of the debt. They say their phone lines are messed up or provide # s that dont work they tell me to call back later. I have asked 3 times who the attorney is in the case and am told 3 different answers. I finally placed the debt into dispute.,credit card debt written notification about debt synchrony financial TN sent letter end of xxxx to request account documentation to provide proof of debt never received then received notification that i was being sued by this debt collector each time i call i get different information phone calls have been recorded they are giving me the run around and refusing to provide proof of the debt they say their phone lines are messed up or provide s that dont work they tell me to call back later i have asked times who the attorney is in the case and am told different answers i finally placed the debt into dispute,"['debt collection agency', 'dispute']"
142,1106015,44652,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,MD,on XX/XX/2022 I received a letter in the mail stating that all of my Synchrony accounts are closed due to activity on accounts with synchrony bank indicative of high risk of failure to pay. However most accounts I have with synchrony do not carry a balance. others are paid in full monthly and on time. I was just given credit limit increases on most of the accounts about 2 weeks prior to all of the accounts being closed. My income is more than enough to cover any debt I may carry. I tried reaching out to synchrony multiple times and no one can ever give me an answer to what is going on.,generalpurpose credit card or charge card closing your account synchrony financial MD on xxxx i received a letter in the mail stating that all of my synchrony accounts are closed due to activity on accounts with synchrony bank indicative of high risk of failure to pay however most accounts i have with synchrony do not carry a balance others are paid in full monthly and on time i was just given credit limit increases on most of the accounts about weeks prior to all of the accounts being closed my income is more than enough to cover any debt i may carry i tried reaching out to synchrony multiple times and no one can ever give me an answer to what is going on,"['account closed', 'credit limit increase', 'high risk']"
143,1106106,43862,Credit reporting,Credit monitoring or identity theft protection services,SYNCHRONY FINANCIAL,CA,I HAVE REQUESTED XXXX TO DO A CREDIT REPORT UPDATE OVER 2 WEEKS AGO WHEN A I MADE LARGE PAYMENT TO SYNCB/TJX ACCOUNT. THE BANK HAS ALREADY UPDATED MY BALANCE WITH THE 2 OTHER BUREAUS I CANT IMAGINE THAT THEY PICK AND CHOOSE WHICH BUREAU TO UPDATE. I AM VERY WELL AWARE THAT BANK REPORT EVERY 30 DAYS BUT I NEED THIS TO BE UPDATED SOONER SINCE I AM IN A MIDDLE OF A MORTGAGE TRANSACTION. I NEED XXXX TO UPDATE MY BALANCE WITH SYNCB/TJX. THEY ALREADY HAVE THE WRITTEN PROOF FROM SYNCB/TJX I HONESTLY THINK THEY ARE DOING THIS ON PURPOSE.,credit reporting credit monitoring or identity theft protection services synchrony financial CA i have requested xxxx to do a credit report update over weeks ago when a i made large payment to syncbtjx account the bank has already updated my balance with the other bureaus i cant imagine that they pick and choose which bureau to update i am very well aware that bank report every days but i need this to be updated sooner since i am in a middle of a mortgage transaction i need xxxx to update my balance with syncbtjx they already have the written proof from syncbtjx i honestly think they are doing this on purpose,"['TJMaxx', 'credit bureaus']"
144,1106439,43466,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,CA,Two credit accounts were opened WITHOUT my consent or knowledge. One was TJX ( tjmaxx ) and the other was XXXX XXXX. I found out about these fraudulenty opened accounts while checking my credit report on XXXX XXXX. I would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen. Also I would like to know when the negative impact on my credit report will get reversed. Thank you.,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial CA two credit accounts were opened without my consent or knowledge one was tjx tjmaxx and the other was xxxx xxxx i found out about these fraudulenty opened accounts while checking my credit report on xxxx xxxx i would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen also i would like to know when the negative impact on my credit report will get reversed thank you,"['without consent', 'TJMaxx', 'fraud', 'credit report']"
145,1108663,44986,Store credit card,Problem when making payments,SYNCHRONY FINANCIAL,CA,"On XX/XX/ - end of cycle for this Sychrony ( Amazon ) credit card I updated my auto-pay from "" statement balance '' to "" minimum balance ''. Their system showed my scheduled autopay as updated from {$550.00} to $ XXXX. I then added a manual payment of {$350.00}. Their system showed two pending payments of ~ {$30.00} and {$350.00}. They then processed a payment of {$550.00} and {$350.00} overdrafting my account and costing me multiple overdraft fees and putting my credit card balance - {$240.00}. Their system did not display the correct amount and they are only willing to mail me a paper check to refund the negative balance several weeks from now.",store credit card problem when making payments synchrony financial CA on xxxx end of cycle for this sychrony amazon credit card i updated my autopay from statement balance to minimum balance their system showed my scheduled autopay as updated from to xxxx i then added a manual payment of their system showed two pending payments of and they then processed a payment of and overdrafting my account and costing me multiple overdraft fees and putting my credit card balance their system did not display the correct amount and they are only willing to mail me a paper check to refund the negative balance several weeks from now,"['Amazon', 'credit card', 'autopay']"
146,1111240,44562,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,TX,I looked on my credit report and as well as my name someone else name is on my credit with different address phone numbers and as well as mine and inquires on my account that i did not authorize that is under the other persons name but on my account,credit reporting incorrect information on your report synchrony financial TX i looked on my credit report and as well as my name someone else name is on my credit with different address phone numbers and as well as mine and inquires on my account that i did not authorize that is under the other persons name but on my account,"['credit report', 'hard inquiry']"
147,1113287,43891,Store credit card,Fees or interest,SYNCHRONY FINANCIAL,CA,On my Gap card my payment is due on the XXXX of each month. I receive all kinds of updates on the card promotions receipts payment confirmation but I never actually receive a bill. I have gone paperless and even though I have communicated with them before about the lack of billing notices nothing happens. I signed up for text messages to tell me when my bill is due but still nothing. I was one day late this month paid on the XXXX because I remembered too late not because I ignored the bill. I know that I am responsible for paying on time but there is no other card or bill that I receive on any other account that doesn't remind me when a bill is due via email/text or through the mail. I feel like Gap does this on purpose to collect the outrageous {$39.00} late fee from consumers who never get a reminder that their bill is due.,store credit card fees or interest synchrony financial CA on my gap card my payment is due on the xxxx of each month i receive all kinds of updates on the card promotions receipts payment confirmation but i never actually receive a bill i have gone paperless and even though i have communicated with them before about the lack of billing notices nothing happens i signed up for text messages to tell me when my bill is due but still nothing i was one day late this month paid on the xxxx because i remembered too late not because i ignored the bill i know that i am responsible for paying on time but there is no other card or bill that i receive on any other account that doesnt remind me when a bill is due via emailtext or through the mail i feel like gap does this on purpose to collect the outrageous late fee from consumers who never get a reminder that their bill is due,"['credit card', 'credit report', 'late fee']"
148,1113620,44986,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,IL,XXXX credit bureau shows account opened with synchrony bank/Sams club on XX/XX/23 which is incorrect and I have no knowledge of this. Ive disputed with XXXX and their final results show as accurate. Ive contacted Synchrony bank directly and provided my personal information to them but they have no record of me.,credit reporting incorrect information on your report synchrony financial IL xxxx credit bureau shows account opened with synchrony banksams club on xxxx which is incorrect and i have no knowledge of this ive disputed with xxxx and their final results show as accurate ive contacted synchrony bank directly and provided my personal information to them but they have no record of me,"['credit bureaus', 'Sams Club', 'dispute']"
149,1118149,43647,General-purpose credit card or charge card,Fees or interest,SYNCHRONY FINANCIAL,PA,I called synchrony bank 3 times to have my late fee removed since I did not receive my statement. They kept saying they would remove the fee and did not. This is the amazon store card. They also called 5 times saying my statement was past due harassing me.,generalpurpose credit card or charge card fees or interest synchrony financial PA i called synchrony bank times to have my late fee removed since i did not receive my statement they kept saying they would remove the fee and did not this is the amazon store card they also called times saying my statement was past due harassing me,"['late fee', 'Amazon', 'harass']"
150,1118613,44652,Store credit card,Trouble using your card,SYNCHRONY FINANCIAL,MI,Synchrony bank closed my credit card account without my authorization after I made a payment for over {$1500.00} with them. No one ever told me the account was closed.,store credit card trouble using your card synchrony financial MI synchrony bank closed my credit card account without my authorization after i made a payment for over with them no one ever told me the account was closed,"['account closed', 'credit card']"
151,1121817,43983,Store credit card,Closing your account,SYNCHRONY FINANCIAL,VA,I have used this account for years only time late is with no notice they changed my billing due date. They claim in their letter they closed the account based on my credit reporting. I have to request all three credit reports and review for accuracy and make my disputes. Not giving a consumer the right to dispute items on a credit report and assume the report is correct which is my credit report not theirs. To just close an account when a customer was a good paying customer is not fair.,store credit card closing your account synchrony financial VA i have used this account for years only time late is with no notice they changed my billing due date they claim in their letter they closed the account based on my credit reporting i have to request all three credit reports and review for accuracy and make my disputes not giving a consumer the right to dispute items on a credit report and assume the report is correct which is my credit report not theirs to just close an account when a customer was a good paying customer is not fair,"['account closed', 'credit report', 'dispute']"
152,1123205,44927,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,NY,Never opened these accounts need these hard inquiries off asap. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX,credit reporting improper use of your report synchrony financial NY never opened these accounts need these hard inquiries off asap xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxxxxxx xxxxxxxx xxxxxxxx xxxx xxxx,"['never applied', 'hard inquiry']"
153,1124552,43586,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,AZ,Synchrony Bank/WalMart charged off my account and I paid the account in full. They are still reporting on my credit that they charged off {$1200.00} after I have disputed it and paid the balance in full.,credit reporting incorrect information on your report synchrony financial AZ synchrony bankwalmart charged off my account and i paid the account in full they are still reporting on my credit that they charged off after i have disputed it and paid the balance in full,"['Walmart', 'credit report', 'dispute', 'charge off']"
154,1125036,43862,Store credit card,Getting a credit card,SYNCHRONY FINANCIAL,GA,The account where open in 2018 filed a dispute for both accounts where found fraudulent they where removed from all credit reports,store credit card getting a credit card synchrony financial GA the account where open in filed a dispute for both accounts where found fraudulent they where removed from all credit reports,"['dispute', 'fraud', 'credit report']"
155,1127868,44652,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,NV,I spoke with a representative of this company and I was promised that the inquiries made from 2021 would be removed from my credit reports This company never honored their promise to remove the inquiries that their representatives made to me on their behalf.,credit reporting improper use of your report synchrony financial NV i spoke with a representative of this company and i was promised that the inquiries made from would be removed from my credit reports this company never honored their promise to remove the inquiries that their representatives made to me on their behalf,"['customer service', 'hard inquiry', 'credit report']"
156,1155541,44958,General-purpose credit card or charge card,Problem when making payments,SYNCHRONY FINANCIAL,OK,I had a similar problem a couple years ago with PayPal/Synchrony where my payments would not go through even though I had the funds available and PayPal had my banking information. I was just informed by the Office of the President of Synchrony that PayPal has taken over all transactions and that in XX/XX/2022 they disenrolled me from automatic payments for my XXXX. I have been paying my PayPal credit account via check since the first issues but the XXXX payment was able to be paid via automatic payments. Now none of my bank accounts are available on the PayPal website and I am unable to add them. I have tried unsuccessfully on multiple occasions. When I call they refuse to help me. This problem has been aggravating and detrimental to my credit. I have had the bank accounts linked to PayPal for at least 20 years without any problems until they became associated with Synchrony. Now Synchrony states they don't have the ability to link bank accounts to a credit card they fund and PayPal indicates they can't and won't help. I want all late funds reimbursed and payments due held without fees or delinquency until they have properly linked the bank accounts. I have spoken with PayPal and Synchrony on the following dates. XXXX XXXX and XX/XX/XXXX.,generalpurpose credit card or charge card problem when making payments synchrony financial OK i had a similar problem a couple years ago with paypalsynchrony where my payments would not go through even though i had the funds available and paypal had my banking information i was just informed by the office of the president of synchrony that paypal has taken over all transactions and that in xxxx they disenrolled me from automatic payments for my xxxx i have been paying my paypal credit account via check since the first issues but the xxxx payment was able to be paid via automatic payments now none of my bank accounts are available on the paypal website and i am unable to add them i have tried unsuccessfully on multiple occasions when i call they refuse to help me this problem has been aggravating and detrimental to my credit i have had the bank accounts linked to paypal for at least years without any problems until they became associated with synchrony now synchrony states they dont have the ability to link bank accounts to a credit card they fund and paypal indicates they cant and wont help i want all late funds reimbursed and payments due held without fees or delinquency until they have properly linked the bank accounts i have spoken with paypal and synchrony on the following dates xxxx xxxx and xxxxxxxx,"['PayPal', 'autopay', 'credit card', 'credit score', 'payment']"
157,1155830,44652,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,FL,They closed the account with out our authorization. Than when we called back they said I closed the account when I never told her to close the account. These lines are recorded but everytime i call to tell them this they we couldnt do that. If we could get the recording of that day to prove to them that we never authorized the closing of the account.,generalpurpose credit card or charge card closing your account synchrony financial FL they closed the account with out our authorization than when we called back they said i closed the account when i never told her to close the account these lines are recorded but everytime i call to tell them this they we couldnt do that if we could get the recording of that day to prove to them that we never authorized the closing of the account,"['account closed', 'without consent']"
158,1156269,44013,Store credit card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,FL,Continually the same problem with this bank. Incorrect balances I can not sign into the so called MY SYNCHRONY data base t0O make a payment Customer service experiences rude unprofessional uncaring and problems remain unresolved. Current balance incorrect and they really do not care pay or else. They do NOT respond in writing nor do they ever keep conversations on file that reflect customer side - only theirs! Right now and gain I can not sign into the data base to make a payment! \IT would be nice if you could correct the incorrect information you continue to populate for years!!! Then again you evidently do NOT read these comments or if you do you do not comprehend English? You tell me? SEE -- -- Your contact information XXXX -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Females in America are not identified as XXXX XXXX!!!!!!,store credit card problem with a purchase shown on your statement synchrony financial FL continually the same problem with this bank incorrect balances i can not sign into the so called my synchrony data base to make a payment customer service experiences rude unprofessional uncaring and problems remain unresolved current balance incorrect and they really do not care pay or else they do not respond in writing nor do they ever keep conversations on file that reflect customer side only theirs right now and gain i can not sign into the data base to make a payment it would be nice if you could correct the incorrect information you continue to populate for years then again you evidently do not read these comments or if you do you do not comprehend english you tell me see your contact information xxxx xxxx xxxx females in america are not identified as xxxx xxxx,"['customer service', 'rude', 'balance']"
159,1158012,44593,General-purpose credit card or charge card,Trouble using your card,SYNCHRONY FINANCIAL,DE,Synchrony Bank and PayPal have blocked my ability to access the credit portion of my account. Paypal blames synchrony Synchrony blames pay pal. In the meant time I have NO STATEMENTS I can access for various purposes. This is a circular process being transferred back and forth between the two with no one taking responsibility.,generalpurpose credit card or charge card trouble using your card synchrony financial DE synchrony bank and paypal have blocked my ability to access the credit portion of my account paypal blames synchrony synchrony blames pay pal in the meant time i have no statements i can access for various purposes this is a circular process being transferred back and forth between the two with no one taking responsibility,"['PayPal', 'access account']"
160,1158490,43862,Store credit card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,AR,These charges listed below on my bill have been contested : $ XXXX-charged on my debit card-never showed on the account. $ XXXX-charged on my Lowes account-no explanation $ XXXX-added for my fence after it was in progress $ XXXX-my estimate for roofing materials-could be more could be less {$1800.00} more or less is the amount I contested. We talked with a manager right after the work was complete in XX/XX/2019 and I had questions about the charges and my roofing materials. I gave him pictures and detailed information. He said someone would be in contact with us soon. That never happened. I paid everything else I owed in XX/XX/XXXX plus {$300.00} and sent in a complaint through Synchrony Bank. They said I needed to go to the store. That did not address my concerns as I had already notified the store Synchrony bank continued to add fees and interest throughout and reporting delinquency to credit reporting agencies in violation of the Fair Credit Reporting Act.,store credit card problem with a purchase shown on your statement synchrony financial AR these charges listed below on my bill have been contested xxxxcharged on my debit cardnever showed on the account xxxxcharged on my lowes accountno explanation xxxxadded for my fence after it was in progress xxxxmy estimate for roofing materialscould be more could be less more or less is the amount i contested we talked with a manager right after the work was complete in xxxx and i had questions about the charges and my roofing materials i gave him pictures and detailed information he said someone would be in contact with us soon that never happened i paid everything else i owed in xxxxxxxx plus and sent in a complaint through synchrony bank they said i needed to go to the store that did not address my concerns as i had already notified the store synchrony bank continued to add fees and interest throughout and reporting delinquency to credit reporting agencies in violation of the fair credit reporting act,"['dispute', 'Lowes', 'credit bureaus', 'violation', 'Fair Credit Reporting Act']"
161,1160505,43586,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,CA,I wanted to submit a request to have a hard inquire removed off my credit report. The name of the company is called Syncb a national credit card airline based in XXXX Florida. I made first contact via phone and expressed my concern with invalid information regarding me I was told by the company to dispute the claim through XXXX XXXX which lead me to Consumer Finacial Protection Bureau.,credit reporting incorrect information on your report synchrony financial CA i wanted to submit a request to have a hard inquire removed off my credit report the name of the company is called syncb a national credit card airline based in xxxx florida i made first contact via phone and expressed my concern with invalid information regarding me i was told by the company to dispute the claim through xxxx xxxx which lead me to consumer finacial protection bureau,"['credit report', 'credit card', 'dispute']"
162,1161892,44958,General-purpose credit card or charge card,Fees or interest,SYNCHRONY FINANCIAL,AZ,"Signed up for a care credit card in XX/XX/XXXX and was deceptively enrolled in "" card security '' without my permission or knowledge. Could not view my account up until two months ago. Was charged an additional $ 73+/- per month for the subsequent 15 months without my knowledge. Called card security upon review of my statements who then advised me they will only refund 12 months of fees. Claiming they can not refund first 3 months of fees - XXXX XXXX XXXX XXXX XXXX XXXX claiming that I did not cancel within the first 90 days. I did not sign up or have knowledge of this enrollment so would not know to cancel. Also have been charged interest on the fees by synchrony bank who additionally keeps closing or lowering my credit limit on every account I have with them despite the fact I have continued to make on-time payments. This has severely impacted my credit score and put me much further into debt while allowing them to raise my interest rates on all of my cards.",generalpurpose credit card or charge card fees or interest synchrony financial AZ signed up for a care credit card in xxxxxxxx and was deceptively enrolled in card security without my permission or knowledge could not view my account up until two months ago was charged an additional per month for the subsequent months without my knowledge called card security upon review of my statements who then advised me they will only refund months of fees claiming they can not refund first months of fees xxxx xxxx xxxx xxxx xxxx xxxx claiming that i did not cancel within the first days i did not sign up or have knowledge of this enrollment so would not know to cancel also have been charged interest on the fees by synchrony bank who additionally keeps closing or lowering my credit limit on every account i have with them despite the fact i have continued to make ontime payments this has severely impacted my credit score and put me much further into debt while allowing them to raise my interest rates on all of my cards,"['Care Credit', 'without consent', 'access account', 'interest', 'late fee', 'credit score']"
163,1161978,44348,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,FL,I have a loan with SYNCB/BANANA REPUBLIC and I have always made my payments on time. For some reason I realized that there was a late payment on my credit report I called SYNCB/BANANA REPUBLIC and they said their system mistakenly put me on paperless billing which I did not request and it caused me late account posting error. As you can see I have always had a stellar payment record. I tried contacting XXXX XXXX and SYNCB/BANANA REPUBLIC with no successful resolutionXXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.,credit reporting incorrect information on your report synchrony financial FL i have a loan with syncbbanana republic and i have always made my payments on time for some reason i realized that there was a late payment on my credit report i called syncbbanana republic and they said their system mistakenly put me on paperless billing which i did not request and it caused me late account posting error as you can see i have always had a stellar payment record i tried contacting xxxx xxxx and syncbbanana republic with no successful resolutionxxxx and xxxx reporting me having late payments there was an error on their part i was never late,"['Banana Republic', 'credit report', 'billing']"
164,1162594,44652,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,OH,Synchrony Bank was contacted on XX/XX/XXXX about Charges made on my account that were fraudulent. Took 2 hours to get a hold of a person to try to fix.They allowed someone other than me to call in and change address and email and then they issued them a card. Synchrony bank has not removed the fraudulent charges or did they change my Email and address back to the correct information. Trying to contract Synchrony Bank XX/XX/XXXX to speak to a person is impossible as it only give you automated options and mailing address is only for Payments. Was going to make a payment on actual charges but account is not correct and it would send email conformations to the fake email account.,generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial OH synchrony bank was contacted on xxxxxxxx about charges made on my account that were fraudulent took hours to get a hold of a person to try to fixthey allowed someone other than me to call in and change address and email and then they issued them a card synchrony bank has not removed the fraudulent charges or did they change my email and address back to the correct information trying to contract synchrony bank xxxxxxxx to speak to a person is impossible as it only give you automated options and mailing address is only for payments was going to make a payment on actual charges but account is not correct and it would send email conformations to the fake email account,"['fraud', 'customer service', 'fake']"
165,1164647,44986,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,FL,Synchrony Bank closed the 7 accounts I had with them in standing. When I inquired they stated there was an issue on my credit report. My credit utilization was 13 % no payments had been missed or late. I have had these cards for years without issue and it now appears I am no longer a good customer. My credit utilization thanks to Synchrony is now at 23 %. I worked very hard to keep my credit in good standing with low utilization. I recently had XXXX XXXX XXXX done and used care credit for XXXX. This appears to be what triggered this. Please look into this I do plan on sending the letter when I receive it to my attorney. It appears they want to extend credit but when used they close all.,generalpurpose credit card or charge card closing your account synchrony financial FL synchrony bank closed the accounts i had with them in standing when i inquired they stated there was an issue on my credit report my credit utilization was no payments had been missed or late i have had these cards for years without issue and it now appears i am no longer a good customer my credit utilization thanks to synchrony is now at i worked very hard to keep my credit in good standing with low utilization i recently had xxxx xxxx xxxx done and used care credit for xxxx this appears to be what triggered this please look into this i do plan on sending the letter when i receive it to my attorney it appears they want to extend credit but when used they close all,"['account closed', 'without consent', 'credit report', 'Care Credit']"
166,1165691,44986,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,TX,I CHECKED MY CREIT REPORT AND I SEEN THAT I HAVE SOME INQUIRY ON MY CREDIT REPORT THAT I DID NOT DO AND HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE IDENTITY THEFT ON MY CREDIT REPORT WHERE THEY ARE SUPPOSE TO CALL TO MALE SURE THAT IT IS ME AND THEY DID NOT DO THAT AT ALL. Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit card and travel / entertainment companies Contact info Address XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX,credit reporting incorrect information on your report synchrony financial TX i checked my creit report and i seen that i have some inquiry on my credit report that i did not do and have no knowledge of at all and i also have identity theft on my credit report where they are suppose to call to male sure that it is me and they did not do that at all inquiry date xxxxxxxx removal date xxxxxxxx additional details business type credit card and travel entertainment companies contact info address xxxx xxxx xxxx xxxx xxxx phone number xxxx xxxx,"['credit report', 'hard inquiry', 'credit card']"
167,1170487,44075,Store credit card,Problem when making payments,SYNCHRONY FINANCIAL,CA,So this card is a store credit card I do own. I was a little taken off guard because I did comtact Jcpenny and told them my situation back in XXXX that I got laid off from a very good job that i've been working at a longtime. If they can work with me. The lady I wish I remebered her name told me don't worry so many people are in your shoes we understand just keep us informed. I told them once I get my finances situated I will call you back to figuire out what I can do. I love Jcpenny I've been shopping Pennies since I was a child. SO for them to be on my credit report as a negative balance I was shocked I called them and told them everything. So since I found out that my Personnel Private Information is out there for anyone to grab. I pulled credit reports and saw JCP on there I called back fixed it all with the agent I can't remeber her I know I shouild of wrote it down. She was so nice fixed all my late fee 's basically she put my account back to normal. So it should all be good now. I ; m hopeing it is.,store credit card problem when making payments synchrony financial CA so this card is a store credit card i do own i was a little taken off guard because i did comtact jcpenny and told them my situation back in xxxx that i got laid off from a very good job that ive been working at a longtime if they can work with me the lady i wish i remebered her name told me dont worry so many people are in your shoes we understand just keep us informed i told them once i get my finances situated i will call you back to figuire out what i can do i love jcpenny ive been shopping pennies since i was a child so for them to be on my credit report as a negative balance i was shocked i called them and told them everything so since i found out that my personnel private information is out there for anyone to grab i pulled credit reports and saw jcp on there i called back fixed it all with the agent i cant remeber her i know i shouild of wrote it down she was so nice fixed all my late fee s basically she put my account back to normal so it should all be good now i m hopeing it is,"['credit card', 'JC Penney', 'unemployment', 'credit report', 'negative balance']"
168,1172368,44927,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,MD,I am filing this complaint against Paypal because I believe that they are retaliating against me for disputing an alleged debt. I asked them to validate an alleged debt. I also made them aware that in addition under 15 U.S. Code 1681 a ( 2 ) a ( 1 ) late payment reporting is a violation. They are transactions and experiences between me the consumer and SYNCB/PPC and should be excluded from my credit report. They have since limited access to my Paypal account. They are deceptively pretending to give me an option to resolve the issue by changing my password but the website will not permit me to change the password which prevents me from accessing my funds. This is retaliatory behavior when they are in the wrong.,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial MD i am filing this complaint against paypal because i believe that they are retaliating against me for disputing an alleged debt i asked them to validate an alleged debt i also made them aware that in addition under us code a a late payment reporting is a violation they are transactions and experiences between me the consumer and syncbppc and should be excluded from my credit report they have since limited access to my paypal account they are deceptively pretending to give me an option to resolve the issue by changing my password but the website will not permit me to change the password which prevents me from accessing my funds this is retaliatory behavior when they are in the wrong,"['PayPal', 'dispute', 'late payment', 'violation', 'credit report']"
169,1246516,44682,Credit card debt,False statements or representation,SYNCHRONY FINANCIAL,NY,I used PayPal credit for a purchase and despite paying the amount borrowed in full before the end of the XXXX grace period they charged and are continuing to charge me interest and other trumped up fees. Ive reached out to them via phone to explain the charges but they give convoluted contradictory explanations and ultimately refused to cancel the charges knowing the debt was fully repaid,credit card debt false statements or representation synchrony financial NY i used paypal credit for a purchase and despite paying the amount borrowed in full before the end of the xxxx grace period they charged and are continuing to charge me interest and other trumped up fees ive reached out to them via phone to explain the charges but they give convoluted contradictory explanations and ultimately refused to cancel the charges knowing the debt was fully repaid,"['PayPal', 'interest', 'fee', 'debt']"
170,1253629,45017,Debt settlement,Fraud or scam,SYNCHRONY FINANCIAL,TX,"I received an email stating that my Sam 's Club card ( membership costs {$50.00} annually ) was in a negative balance of {$30.00} on my Sam 's Cub Mastercard. This didn't make sense because my membership fee is automatically paid from my Amazon Visa card and I have never owned that particular Mastercard. I called the number provided and spoke with a man telling me that I had to have had the Sam 's club Mastercard but I could pay the {$30.00} to pull my account out of the red or I could pay the {$50.00} and be cleared for the year. He also stated that since the account was in the negative I had to pay with a debit card NOT a credit card because this type of transaction was turned over to this business "" Synchrony Bank '' and I would have to physically go to my local Sam 's Club to get the card payment situation straight. So like an XXXX I gave out my debit card number and paid {$50.00}. I kept the receipt from this company and have it if it's needed.",debt settlement fraud or scam synchrony financial TX i received an email stating that my sam s club card membership costs annually was in a negative balance of on my sam s cub mastercard this didnt make sense because my membership fee is automatically paid from my amazon visa card and i have never owned that particular mastercard i called the number provided and spoke with a man telling me that i had to have had the sam s club mastercard but i could pay the to pull my account out of the red or i could pay the and be cleared for the year he also stated that since the account was in the negative i had to pay with a debit card not a credit card because this type of transaction was turned over to this business synchrony bank and i would have to physically go to my local sam s club to get the card payment situation straight so like an xxxx i gave out my debit card number and paid i kept the receipt from this company and have it if its needed,"['Sams Club', 'negative balance', 'debit card']"
171,1271789,44896,Credit card debt,Threatened to contact someone or share information improperly,SYNCHRONY FINANCIAL,GA,Synchrony bank shared my nonpublic personal information with a debt collection agency who is now suing me for an alleged debt. According to XXXX this information can not be shared with a nonaffiliated third party unless myself the consumer was beforehand given the right to opt out of sharing of this information along with an explanation on how to exercise my right to nondisclosure. According to the terms of the alleged contact furnished to me by the debt collection agency I was not given the right to opt out nor the instructions on how to do so. Due to this matter Synchrony bank is in violation of my consumer rights.,credit card debt threatened to contact someone or share information improperly synchrony financial GA synchrony bank shared my nonpublic personal information with a debt collection agency who is now suing me for an alleged debt according to xxxx this information can not be shared with a nonaffiliated third party unless myself the consumer was beforehand given the right to opt out of sharing of this information along with an explanation on how to exercise my right to nondisclosure according to the terms of the alleged contact furnished to me by the debt collection agency i was not given the right to opt out nor the instructions on how to do so due to this matter synchrony bank is in violation of my consumer rights,"['nonpublic information', 'debt collection agency', 'violation', 'consumer rights']"
172,1294108,43466,Store credit card,Closing your account,SYNCHRONY FINANCIAL,GA,I contacted XXXX XXXX in XXXX and XXXX regarding fraudulent activity on my checking account. XXXX XXXX closed account in XXXX after having years of excellent payment history. In addition I made an arrangement to pay account after not receiving any correspondence regarding who was handling my account. So I contacted them their internal collection department and established a weekly payment plan of {$100.00} beginning XX/XX/XXXX via phone. In XX/XX/XXXX I received a call from an outside collection agency handling my XXXX account stating that my account has been turned over to XXXX XXXX along with confirming this information was correct with XXXX XXXX. My concern at this time is XXXX XXXX transferring the account to collections and closing my card after me letting them know what's going on with fraudulent activity on my checking account. In addition XXXX XXXX continue to charge my checking account with {$100.00} a week and every representative is denying that the payment exists and refuse to cancel my payment or remove XXXX XXXX off my account as a card holder.,store credit card closing your account synchrony financial GA i contacted xxxx xxxx in xxxx and xxxx regarding fraudulent activity on my checking account xxxx xxxx closed account in xxxx after having years of excellent payment history in addition i made an arrangement to pay account after not receiving any correspondence regarding who was handling my account so i contacted them their internal collection department and established a weekly payment plan of beginning xxxxxxxx via phone in xxxxxxxx i received a call from an outside collection agency handling my xxxx account stating that my account has been turned over to xxxx xxxx along with confirming this information was correct with xxxx xxxx my concern at this time is xxxx xxxx transferring the account to collections and closing my card after me letting them know whats going on with fraudulent activity on my checking account in addition xxxx xxxx continue to charge my checking account with a week and every representative is denying that the payment exists and refuse to cancel my payment or remove xxxx xxxx off my account as a card holder,"['fraud', 'checking account', 'customer service', 'denied']"
173,1345675,44682,Store credit card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,MA,On XX/XX/2022 I woke up to find charges that were made overnight on my Synchrony Bank Amazon store card. The purchases were made at approximately XXXX while I was asleep. I was able to successfully cancel one of the items as it was a physical item but the other item had already been redeemed because it was for an amazon gift card for one-hundred dollars. I was told by amazon customer service that I need to deal directly with the card issuer so I called Synchrony Bank. I was told I would receive a letter in the mail within seven to ten business days which I did and then another letter in thirty days after the case was received and resolved which was never received. The issue was resolved and I was issued a credit for the fraudulent charge. After getting off the phone with the bank I checked all my devices for any malicious activity as I noticed I had not received any login attempts Having a XXXX XXXX XXXX i knew that meant that if something did happen it came from either someone on my network or a device in my house. I found malware on two devices in my home and called the bank back right away. I provided them with this information and that was the last I heard from them. Sixty days later I notice a balance transfer for the amount that I was credited for the fraudulent charge pending on my account. I called synchrony back was connected to the investigation department and was told by the same person two different reasons why the claim was reversed. The first reason was that the merchandise was delivered to my house. I told the associate on the phone that this wasnt possible as the purchase made was for a digital item. He then told me that it was because the purchase was made from an IP address that I had made purchases from in the past. When I reiterated the context of my previous phone call he said there was no note of the second call. He said he would reopen the claim I would receive another letter in seven to ten business days with another resolution within thirty days. Within hours a received digital letter back saying that the fraud team has investigated my claim and it was denied. I have attached the letter below.,store credit card problem with a purchase shown on your statement synchrony financial MA on xxxx i woke up to find charges that were made overnight on my synchrony bank amazon store card the purchases were made at approximately xxxx while i was asleep i was able to successfully cancel one of the items as it was a physical item but the other item had already been redeemed because it was for an amazon gift card for onehundred dollars i was told by amazon customer service that i need to deal directly with the card issuer so i called synchrony bank i was told i would receive a letter in the mail within seven to ten business days which i did and then another letter in thirty days after the case was received and resolved which was never received the issue was resolved and i was issued a credit for the fraudulent charge after getting off the phone with the bank i checked all my devices for any malicious activity as i noticed i had not received any login attempts having a xxxx xxxx xxxx i knew that meant that if something did happen it came from either someone on my network or a device in my house i found malware on two devices in my home and called the bank back right away i provided them with this information and that was the last i heard from them sixty days later i notice a balance transfer for the amount that i was credited for the fraudulent charge pending on my account i called synchrony back was connected to the investigation department and was told by the same person two different reasons why the claim was reversed the first reason was that the merchandise was delivered to my house i told the associate on the phone that this wasnt possible as the purchase made was for a digital item he then told me that it was because the purchase was made from an ip address that i had made purchases from in the past when i reiterated the context of my previous phone call he said there was no note of the second call he said he would reopen the claim i would receive another letter in seven to ten business days with another resolution within thirty days within hours a received digital letter back saying that the fraud team has investigated my claim and it was denied i have attached the letter below,"['denied', 'Amazon', 'customer service', 'fraud']"
174,1385953,43647,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,MD,I had a JCPenny card in 2013 the last activity was XXXX of 2013 and the account was closed. I have disputed this account with the credit bureau to be removed due to age of account and they have not removed. It has been more than the 5 years so the account should be removed. There is also a collection account with XXXX XXXX for this same account and I requested it be removed because of age of last activity is more than 5 years.,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial MD i had a jcpenny card in the last activity was xxxx of and the account was closed i have disputed this account with the credit bureau to be removed due to age of account and they have not removed it has been more than the years so the account should be removed there is also a collection account with xxxx xxxx for this same account and i requested it be removed because of age of last activity is more than years,"['JC Penney', 'account', 'closed', 'dispute', 'credit bureaus']"
175,1391644,43647,General-purpose credit card or charge card,Advertising and marketing including promotional offers,SYNCHRONY FINANCIAL,FL,"A few months ago I opened an account with Care Credit to help me pay for any big Dental bills. They have plans that allow me to pay over 12 months same as cash. Yesterday XX/XX/2019 I received an "" upgraded '' Mastercard without even asking for the upgrade. Naturally I rejected the card and when speaking to the agent on the phone I explained that I was quite upset for two reasons. First they had no right to send me this card without my permission. Second I have no doubt that they are sending this card to seniors that do not the understand what they are getting and how this may affect their credit score. To me this is a predatory action and must be stopped.",generalpurpose credit card or charge card advertising and marketing including promotional offers synchrony financial FL a few months ago i opened an account with care credit to help me pay for any big dental bills they have plans that allow me to pay over months same as cash yesterday xxxx i received an upgraded mastercard without even asking for the upgrade naturally i rejected the card and when speaking to the agent on the phone i explained that i was quite upset for two reasons first they had no right to send me this card without my permission second i have no doubt that they are sending this card to seniors that do not the understand what they are getting and how this may affect their credit score to me this is a predatory action and must be stopped,"['Care Credit', 'without consent', 'credit score', 'predatory']"
176,1405820,43678,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,TN,There is an inquiry from SyncB on my credit report from XX/XX/2018. I never applied for any type of credit with this company EVER. I've sent them a certified letter asking them to have the inquiry removed from the credit bureaus but they've refused to do so. They have no validation showing that I applied for credit. This is negatively impacting my credit worthiness and I want the inquiry removed from the credit bureaus IMMEDIATELY. Thank you.,credit reporting improper use of your report synchrony financial TN there is an inquiry from syncb on my credit report from xxxx i never applied for any type of credit with this company ever ive sent them a certified letter asking them to have the inquiry removed from the credit bureaus but theyve refused to do so they have no validation showing that i applied for credit this is negatively impacting my credit worthiness and i want the inquiry removed from the credit bureaus immediately thank you,"['never applied', 'hard inquiry', 'credit bureaus', 'hard inquiry', 'credit score']"
177,1649123,44927,General-purpose credit card or charge card,Other features terms or problems,SYNCHRONY FINANCIAL,TX,Approximately every 6 months Synchrony allegedly checks credit then lowers credit limits on cards. They'll approve a XXXX limit then 6 months later cut it in half or more. This is done on accounts that : Have never been used. Have less than 30 % usage. Have not once been paid late. This practice causes the usage percentage to shoot up the cards to be over limit ( triggering 'over limit ' charges ) and cards to be declined. The notifications that the limit is being lowered are not sent until after it's done.,generalpurpose credit card or charge card other features terms or problems synchrony financial TX approximately every months synchrony allegedly checks credit then lowers credit limits on cards theyll approve a xxxx limit then months later cut it in half or more this is done on accounts that have never been used have less than usage have not once been paid late this practice causes the usage percentage to shoot up the cards to be over limit triggering over limit charges and cards to be declined the notifications that the limit is being lowered are not sent until after its done,"['Lowes', 'credit limit decrease']"
178,1800787,44166,Store credit card,Closing your account,SYNCHRONY FINANCIAL,FL,XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION SYNCB/CARECR XXXX To whom this may concern My credit card was recently closed after I recently was asked to make a big payment to higher my limit as my family is in need of medicine after hearing we have received XXXX. On XX/XX/XXXX I spoke with a representative that advised if I make a big payment to lower my balances I could ask for an increase. Because of XXXX and work I had called in to say I will need a month assistance to catch up on payments. However within two weeks I canceled the help and assistance and made a lump payment. Its been a stressful time for my family as we have been in and out of work school. Its even more stressful when you make arrangements with your bank. Give them your entire pay check for them to close it during this crucial time. It is upsetting and embarrassing to deal with this especially when I wasnt advised on why they even closed it even more embarrassing when I went to go pick up my meds and I was declined with NO notice. WHY ME? WHY NOW? I have no late reportings on my bureaus and you choose to close me? There has to be another issue at hand? XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX,store credit card closing your account synchrony financial FL xxxx xxxx xxxx xxxxxxxx address xxxx xxxx xxxx xxxx xxxx xxxx fl xxxx attention syncbcarecr xxxx to whom this may concern my credit card was recently closed after i recently was asked to make a big payment to higher my limit as my family is in need of medicine after hearing we have received xxxx on xxxxxxxx i spoke with a representative that advised if i make a big payment to lower my balances i could ask for an increase because of xxxx and work i had called in to say i will need a month assistance to catch up on payments however within two weeks i canceled the help and assistance and made a lump payment its been a stressful time for my family as we have been in and out of work school its even more stressful when you make arrangements with your bank give them your entire pay check for them to close it during this crucial time it is upsetting and embarrassing to deal with this especially when i wasnt advised on why they even closed it even more embarrassing when i went to go pick up my meds and i was declined with no notice why me why now i have no late reportings on my bureaus and you choose to close me there has to be another issue at hand xxxx xxxx xxxx xxxxxxxx address xxxx xxxx xxxx xxxx xxxx xxxx fl xxxx,"['account closed', 'without consent']"
179,1805714,44866,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,FL,Upon checking my credit report I notice an account from SYNCB/BrandsMart that XXXX believe is not being reported correctly on my credit report. On XX/XX/2022 I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days I sent another certified letter on XX/XX/2022 ( See Attached ) again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ) along with my incident report ( See Attached ) asking them to verify or remove the negative report on my credit report that SYNCB/BrandsMart were reporting. So far I have not gotten a response from them either. As you can see I have been dealing with this situation for several months with no success so I am writing to you for help me with this matter.,credit reporting incorrect information on your report synchrony financial FL upon checking my credit report i notice an account from syncbbrandsmart that xxxx believe is not being reported correctly on my credit report on xxxx i sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account after not hearing from them for more than days i sent another certified letter on xxxx see attached again requesting that they provide me with the information they were using to prove the accuracy of my account i also sent certified letters to the xxxx credit bureaus see attached along with my incident report see attached asking them to verify or remove the negative report on my credit report that syncbbrandsmart were reporting so far i have not gotten a response from them either as you can see i have been dealing with this situation for several months with no success so i am writing to you for help me with this matter,"['BrandsMart', 'credit report', 'credit bureaus']"
180,1841366,43678,General-purpose credit card or charge card,Fees or interest,SYNCHRONY FINANCIAL,MD,Synchrony Sam's Club credit card sends no notice of payment due or overdue. They just keep adding penalties and interest.,generalpurpose credit card or charge card fees or interest synchrony financial MD synchrony sams club credit card sends no notice of payment due or overdue they just keep adding penalties and interest,"['Sams Club', 'interest']"
181,1845033,44774,I do not know,Took or threatened to take negative or legal action,SYNCHRONY FINANCIAL,MD,XXXX XXXX Synchrony Bank issued a complaint in the District Court For XXXX XXXX XXXX. Synchrony Bank stated that I was served a summons. This is incorrect. I was not served. The complaint is for an alleged debt. I have not been able to dispute this debt yet Synchrony Bank is suing me for the alleged debt. XX/XX/2022 I sent a Cease and Desist via certified mail.,i do not know took or threatened to take negative or legal action synchrony financial MD xxxx xxxx synchrony bank issued a complaint in the district court for xxxx xxxx xxxx synchrony bank stated that i was served a summons this is incorrect i was not served the complaint is for an alleged debt i have not been able to dispute this debt yet synchrony bank is suing me for the alleged debt xxxx i sent a cease and desist via certified mail,"['letters', 'dispute', 'debt']"
182,1845374,43952,General-purpose credit card or charge card,Getting a credit card,SYNCHRONY FINANCIAL,DC,Synchrony Bank via the XXXX XXXX opened an account in my name without my authorization. Further they are sending me marketing communications and claiming that I can not unsubscribe from these communications based on my business relationship. Since no such relationship exists I believe this also constitutes a violation of the TCPA.,generalpurpose credit card or charge card getting a credit card synchrony financial DC synchrony bank via the xxxx xxxx opened an account in my name without my authorization further they are sending me marketing communications and claiming that i can not unsubscribe from these communications based on my business relationship since no such relationship exists i believe this also constitutes a violation of the tcpa,"['without consent', 'violation']"
183,1845971,44774,Store credit card,Credit monitoring or identity theft protection services,SYNCHRONY FINANCIAL,MS,When I first ordered from XXXX I was thrilled. They then issued me credit and I also thought that was great. Then when I tried to make my first payment the trouble began. I would try to enter my bank or credit card information for payment and it would be rejected!! I then would call the cs dept and they would try and would also not be able to complete the transaction. I would then beg for someone to please tell me why you ( XXXX ) wouldn't or couldn't take my payments so I sent in a Check But you returned my check saying it could not be processed!!! When you finally rec 'd my personal check and did accept it you said I was late!!! This went on until I quit ordering from XXXX just exactly for this reason! And I get a delinquent notice on my credit!!! That is so wrong!!,store credit card credit monitoring or identity theft protection services synchrony financial MS when i first ordered from xxxx i was thrilled they then issued me credit and i also thought that was great then when i tried to make my first payment the trouble began i would try to enter my bank or credit card information for payment and it would be rejected i then would call the cs dept and they would try and would also not be able to complete the transaction i would then beg for someone to please tell me why you xxxx wouldnt or couldnt take my payments so i sent in a check but you returned my check saying it could not be processed when you finally rec d my personal check and did accept it you said i was late this went on until i quit ordering from xxxx just exactly for this reason and i get a delinquent notice on my credit that is so wrong,"['credit card', 'customer service', 'delinquent', 'credit report']"
184,1846563,44621,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,CA,This is for a XXXX credit card managed by synchrony lending. I made a {$1500.00} payment and did not see it show against my XXXX credit card balance. I inquired if they saw it on their end. From there they have added XXXX to my account with the reasoning I disputed a transaction and lost. At a minimum I would like to have {$1500.00} removed from my account. They are saying the two {$1500.00} payments are them crediting my account when I inquired about the payment not showing. Even if this was true I would still be owed {$1500.00}. Once I get the {$1500.00} I will move on to potentially disputing the payment I made that never showed on my account. Attached is a screenshot showing all {$1500.00} transactions for the history of my account. You can see there are two showing on XX/XX/XXXX. They are telling me there was only one on XX/XX/XXXX. I have messaged them many many times and called with no movement or attempt to resolve this. I am over my limit and being charged interest as well.,generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial CA this is for a xxxx credit card managed by synchrony lending i made a payment and did not see it show against my xxxx credit card balance i inquired if they saw it on their end from there they have added xxxx to my account with the reasoning i disputed a transaction and lost at a minimum i would like to have removed from my account they are saying the two payments are them crediting my account when i inquired about the payment not showing even if this was true i would still be owed once i get the i will move on to potentially disputing the payment i made that never showed on my account attached is a screenshot showing all transactions for the history of my account you can see there are two showing on xxxxxxxx they are telling me there was only one on xxxxxxxx i have messaged them many many times and called with no movement or attempt to resolve this i am over my limit and being charged interest as well,"['credit card', 'dispute', 'interest']"
185,1856712,44986,General-purpose credit card or charge card,Getting a credit card,SYNCHRONY FINANCIAL,FL,"I received a letter form Synchrony Bank notifying me that someone requested a PayPal Cashback Mastercard account without my permission or authority. The letter noted that the request was made on XX/XX/2023 and that "" Your PayPal account is in a locked status ''. It was further noted that I did not need to respond to the letter. I contacted Synchrony Bank and expressed that the attempt by someone applying for the bank card was fraud. The bank rep advised me that the information provided would be noted to my account.",generalpurpose credit card or charge card getting a credit card synchrony financial FL i received a letter form synchrony bank notifying me that someone requested a paypal cashback mastercard account without my permission or authority the letter noted that the request was made on xxxx and that your paypal account is in a locked status it was further noted that i did not need to respond to the letter i contacted synchrony bank and expressed that the attempt by someone applying for the bank card was fraud the bank rep advised me that the information provided would be noted to my account,"['PayPal', 'Mastercard', 'open account', 'without consent', 'fraud']"
186,1859295,44501,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,GA,Went to my XXXX credit report app and notice incorrect information on my credit report.,credit reporting incorrect information on your report synchrony financial GA went to my xxxx credit report app and notice incorrect information on my credit report,['credit report']
187,1864027,44986,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,VA,Fraudulent applications may have been submitted in my name by two companies and may have been used to apply for credit or purchases without my consent. I have contacted in XX/XX/2022 XXXX XXXX XXXX XXXX and the representative claimed there is no record of me with any account or application for credit. I also contacted Syncb/Amazon XXXX XXXX XXXX and the representative stated she could find no record and would resolve the matter and report to have the inquiry removed. I have not heard from any of the companies and my credit report still reflect these inquiries. Finally I submitted a fraud report to XXXX and was instructed to file a report with FTC.gov and was directed to CFPB.,credit reporting incorrect information on your report synchrony financial VA fraudulent applications may have been submitted in my name by two companies and may have been used to apply for credit or purchases without my consent i have contacted in xxxx xxxx xxxx xxxx xxxx and the representative claimed there is no record of me with any account or application for credit i also contacted syncbamazon xxxx xxxx xxxx and the representative stated she could find no record and would resolve the matter and report to have the inquiry removed i have not heard from any of the companies and my credit report still reflect these inquiries finally i submitted a fraud report to xxxx and was instructed to file a report with ftcgov and was directed to cfpb,"['fraud', 'application', 'without consent', 'Amazon']"
188,1870326,43617,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,NY,"I had a PayPal/Synchrony Bank card that was settled through a settlement with XXXX XXXX on XX/XX/XXXX of XXXX that I have disputed with the company and the credit bureaus that has not been updated to show that it was paid in a settlement I have the settlement letter and nothing has changed I want it to show paid in a settlement for less than the full amount and it will not update properly I also have an Amazon/Synchrony bank card that was settled with XXXX XXXX and that was paid and closed out by XX/XX/XXXX and that also was disputed to state paid for less then full amount and this also has not been updated and I have disputed this as well I have proof of both of these accounts to show that I owe nothing and they were both "" settled '' and I want this status updated on all of my credit reports. It seems that Synchrony Bank is not doing their job and disputes are not resolving this either!",credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial NY i had a paypalsynchrony bank card that was settled through a settlement with xxxx xxxx on xxxxxxxx of xxxx that i have disputed with the company and the credit bureaus that has not been updated to show that it was paid in a settlement i have the settlement letter and nothing has changed i want it to show paid in a settlement for less than the full amount and it will not update properly i also have an amazonsynchrony bank card that was settled with xxxx xxxx and that was paid and closed out by xxxxxxxx and that also was disputed to state paid for less then full amount and this also has not been updated and i have disputed this as well i have proof of both of these accounts to show that i owe nothing and they were both settled and i want this status updated on all of my credit reports it seems that synchrony bank is not doing their job and disputes are not resolving this either,"['PayPal', 'dispute', 'credit bureaus', 'Amazon']"
189,2008405,44044,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,CA,I am a victim of identity theft. Due to the Corona Virus Pandemic we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money goods or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial CA i am a victim of identity theft due to the corona virus pandemic we are all facing which has me sitting still at home and i saw the recent news about the multiple xxxx data breaches i decided to look at my credit reports from the major credit bureaus and found that someone had used my identity i have no idea how the theft took place i also have no knowledge of any suspects i did not receive any money goods or services as a result of identity theft i contacted the credit bureau and told me to file an identity theft report which i am doing i appreciate your effort in getting this matter resolved thank you please let me know if you need any other information from me to block this information from my credit report thank you,"['identity theft', 'credit report', 'credit bureaus']"
190,2012608,45047,Store credit card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,NC,I paid Care Credit {$1300.00} for my credit card payment on XX/XX/2023. The balance was {$3300.00}. The payment posted at my bank and they received the payment and updated the new balance and also say no payment due at this time. They never updated my available balance. I called several times and talk with management and they said because of a large payment they cant update my available credit until XX/XX/2023. I said you received the payment and they say It is a large payment so a lot of people make large payments on their accounts doesnt mean I dont have the funds. No matter what I say they denied to update my available account.,store credit card problem with a purchase shown on your statement synchrony financial NC i paid care credit for my credit card payment on xxxx the balance was the payment posted at my bank and they received the payment and updated the new balance and also say no payment due at this time they never updated my available balance i called several times and talk with management and they said because of a large payment they cant update my available credit until xxxx i said you received the payment and they say it is a large payment so a lot of people make large payments on their accounts doesnt mean i dont have the funds no matter what i say they denied to update my available account,"['Care Credit', 'credit card']"
191,2015975,43647,General-purpose credit card or charge card,Trouble using your card,SYNCHRONY FINANCIAL,FL,I obtained from Synchrony Bank the Banana Republic Credit Card on approximately XX/XX/2019. I have been using my account and have already made payments on my account. On Wednesday XX/XX/19 my account was abruptly closed by Synchorny Bank. I contacted the bank and the representatives are unable to provide me any explanation. I spoke with Account Manager XXXX with reference # XXXX. She stated that I must wait 10-14 days to find out why my account was closed with a letter in the mail.,generalpurpose credit card or charge card trouble using your card synchrony financial FL i obtained from synchrony bank the banana republic credit card on approximately xxxx i have been using my account and have already made payments on my account on wednesday xxxx my account was abruptly closed by synchorny bank i contacted the bank and the representatives are unable to provide me any explanation i spoke with account manager xxxx with reference xxxx she stated that i must wait days to find out why my account was closed with a letter in the mail,"['Banana Republic', 'account closed', 'without consent']"
192,2016176,44805,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,NV,The unverified account indicated below continue to report on my credit report despite several written requests in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00},credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial NV the unverified account indicated below continue to report on my credit report despite several written requests in violation of federal law i dated the previous letter i sent to the credit bureaus xxxxxxxx but i never received a response sections a a and a require this account to be authenticated a i will take legal action against you if you do not validate this account please follow the law so that this situation can be settled quickly xxxx xxxxxxxx open date xxxxxxxx balance,"['credit report', 'fraud', 'credit bureaus']"
193,2016311,45047,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,SC,There are multiple hard inquiries reported on my credit report. On my XXXX credit report one from XXXX on XX/XX/2023 and also from SyncXXXX on XX/XX/2023. On my XXXX credit report there is a hard inquiry from XXXX XXXX XXXX on XX/XX/2023. I do not recognize any of these. I called the companies on my XXXX report to request a deletion letter on XX/XX/2023. I called the company on my XXXX report on XX/XX/2023 to request a deletion letter. They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.,credit reporting improper use of your report synchrony financial SC there are multiple hard inquiries reported on my credit report on my xxxx credit report one from xxxx on xxxx and also from syncxxxx on xxxx on my xxxx credit report there is a hard inquiry from xxxx xxxx xxxx on xxxx i do not recognize any of these i called the companies on my xxxx report to request a deletion letter on xxxx i called the company on my xxxx report on xxxx to request a deletion letter they said there is no account open in my name so they can not provide that for me they suggested that i report it to the federal trade commission,"['hard inquiry', 'credit report']"
194,2069509,44470,General-purpose credit card or charge card,Getting a credit card,SYNCHRONY FINANCIAL,NE,I got a paper in the mail today XX/XX/XXXX from Synchrony home saying i have a account open ending XXXX which i had no knowledge of. It was also opened with my old last name XXXX. My last name changed to XXXX XX/XX/XXXX. I went to there website and the only directions they gave were to report it.,generalpurpose credit card or charge card getting a credit card synchrony financial NE i got a paper in the mail today xxxxxxxx from synchrony home saying i have a account open ending xxxx which i had no knowledge of it was also opened with my old last name xxxx my last name changed to xxxx xxxxxxxx i went to there website and the only directions they gave were to report it,"['open account', 'without consent', 'fraud']"
195,2086068,44958,General-purpose credit card or charge card,Getting a credit card,SYNCHRONY FINANCIAL,FL,Hi I noticed today XX/XX/2023 that I received a credit card from XXXX XXXX on the mail but I did not apply for the credit card. I called the credit company and the card was applied for in Georgia I live in Florida and the card was applied for at a XXXX ' store and used for a purchase of {$290.00}. I was advised to freeze my credit on XXXX and while doing that I saw on my credit report that another credit card was open with XXXX XXXX XXXX and a purchase of {$5900.00} was made on XX/XX/XXXX. I filled a police report but I am worried that other accounts will be open under my name because whoever applied for the first 2 credit cards have all my information including social security number.,generalpurpose credit card or charge card getting a credit card synchrony financial FL hi i noticed today xxxx that i received a credit card from xxxx xxxx on the mail but i did not apply for the credit card i called the credit company and the card was applied for in georgia i live in florida and the card was applied for at a xxxx store and used for a purchase of i was advised to freeze my credit on xxxx and while doing that i saw on my credit report that another credit card was open with xxxx xxxx xxxx and a purchase of was made on xxxxxxxx i filled a police report but i am worried that other accounts will be open under my name because whoever applied for the first credit cards have all my information including social security number,"['open account', 'without consent', 'fraud', 'personal information']"
196,2103653,45078,General-purpose credit card or charge card,Other features terms or problems,SYNCHRONY FINANCIAL,NY,Tried to login to my Amazon credit card account and didnt realize I was trying to login into a fake synchrony website that is completely identical to the Amazon one. I realized it was fake because it said I didnt have an account with them. Went back to the search page and they were side by side identical. Entered all my information to try to retrieve my account because I had forgotten my login and password. Even asked for my last 4 digits of my social,generalpurpose credit card or charge card other features terms or problems synchrony financial NY tried to login to my amazon credit card account and didnt realize i was trying to login into a fake synchrony website that is completely identical to the amazon one i realized it was fake because it said i didnt have an account with them went back to the search page and they were side by side identical entered all my information to try to retrieve my account because i had forgotten my login and password even asked for my last digits of my social,"['Amazon', 'credit card', 'fraud', 'fake']"
197,2107472,45078,General-purpose credit card or charge card,Improper use of your report,SYNCHRONY FINANCIAL,NC,Someone somewhere & somehow has gotten my social security number and applied for bunches of different credit cards online apparently because I have XXXX hard inquiries and I did NONE them myself!!,generalpurpose credit card or charge card improper use of your report synchrony financial NC someone somewhere somehow has gotten my social security number and applied for bunches of different credit cards online apparently because i have xxxx hard inquiries and i did none them myself,"['fraud', 'identity theft', 'social security']"
198,2111564,44287,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,CA,Hello I had 5 accounts with Synchrony Bank and not once was I late and my balances are very low and one i didn't even use and for no reason they closed all my accounts and the sent me letters saying that they think that there might be a high risk of failure to pay which is not true because I either pay off my balance or make three times the minumum payment if not more. So they destroyed my credit score on baseless claim that they think I might fail to pay not that I failed to pay. Now my credit score has gone down by almost 75 points.,generalpurpose credit card or charge card closing your account synchrony financial CA hello i had accounts with synchrony bank and not once was i late and my balances are very low and one i didnt even use and for no reason they closed all my accounts and the sent me letters saying that they think that there might be a high risk of failure to pay which is not true because i either pay off my balance or make three times the minumum payment if not more so they destroyed my credit score on baseless claim that they think i might fail to pay not that i failed to pay now my credit score has gone down by almost points,"['account closed', 'high risk', 'credit score']"
199,2125109,43586,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,NH,On XX/XX/2019 PayPal did a hard credit pull on my credit. This is the second time they have done this without my permission. Even after being contacted last time and asking for them to remove it.,credit reporting improper use of your report synchrony financial NH on xxxx paypal did a hard credit pull on my credit this is the second time they have done this without my permission even after being contacted last time and asking for them to remove it,"['PayPal', 'hard inquiry', 'without consent', 'credit report']"
200,2128410,44197,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,GA,This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way. XX/XX/2020 {$3100.00},credit card debt attempts to collect debt not owed synchrony financial GA this attempt to collect this debt is illegal i never opened this account with the original creditor this collection attempt must be stopped immediately i was a member of identity theft and my credit has been ruined i have contacted the credit agencies already and they have done nothing i am now trying to fight this this way xxxx,"['illegal', 'identity theft']"
201,2143895,44927,Credit card debt,Took or threatened to take negative or legal action,SYNCHRONY FINANCIAL,MS,XXXX is in direct violation of 15 USC 1692 ( d ) ( 4 ) : The advertisement for sale of any debt to coerce payment of the debt. According to the FDCA this is a direct violation of my rights and I am entitled to collect damages minimum {$1000.00} for every violation that XXXX has committed against me. Synchrony Bank has equally violated my rights specifically as it relates to the aforementioned law code. I request that the alleged XXXX account ending in XXXX is immediately removed from my credit report. Should a XXXX representative choose to deny this request you hereby understand and agree that XXXX is liable for the damages that have occurred due to any and all violations committed by XXXX which shall be restored with monetary relief.,credit card debt took or threatened to take negative or legal action synchrony financial MS xxxx is in direct violation of usc d the advertisement for sale of any debt to coerce payment of the debt according to the fdca this is a direct violation of my rights and i am entitled to collect damages minimum for every violation that xxxx has committed against me synchrony bank has equally violated my rights specifically as it relates to the aforementioned law code i request that the alleged xxxx account ending in xxxx is immediately removed from my credit report should a xxxx representative choose to deny this request you hereby understand and agree that xxxx is liable for the damages that have occurred due to any and all violations committed by xxxx which shall be restored with monetary relief,"['violation', 'coerce']"
202,2155429,44743,Store credit card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,TX,I opened a credit line to buy a set of couches from XXXX XXXX. The credit is from Synchrony Bank. The initial credit limit was {$2500.00} and I used it to buy the couches mentioned above. The issue is that Synchrony bank decreased my credit limit below what I owe and my credit score shows that I'm using 145 % of my credit. Synchrony bank is doing this with the intentions of affecting and charging fees that they shouldn't have. My other concerns are that I have other cards with them and they're decreasing the credit limit and I'm afraid that they will also decrease my credit limit below what I owe which will increase my credit usage above 100 %. I talked to them and they said that they can't do anything about it. As a customer I have credit and loans with other banks and they're not decreasing the credit limit below what I owe. I don't think that it's legal what Synchrony bank is doing specially during a pandemic year and inflation. They're taking advantage of their customers and affecting the credit score. I told Synchrony bank that the only reason that my score is affected is because what they did with my credit line where they decreased it below the amount I owe. Synchrony bank decreased the credit line closed to when the promotion expired. They're sharks trying to charge fees and ruin the credit of the costumers. None other banks that I have are doing what Synchrony Bank is doing.,store credit card problem with a purchase shown on your statement synchrony financial TX i opened a credit line to buy a set of couches from xxxx xxxx the credit is from synchrony bank the initial credit limit was and i used it to buy the couches mentioned above the issue is that synchrony bank decreased my credit limit below what i owe and my credit score shows that im using of my credit synchrony bank is doing this with the intentions of affecting and charging fees that they shouldnt have my other concerns are that i have other cards with them and theyre decreasing the credit limit and im afraid that they will also decrease my credit limit below what i owe which will increase my credit usage above i talked to them and they said that they cant do anything about it as a customer i have credit and loans with other banks and theyre not decreasing the credit limit below what i owe i dont think that its legal what synchrony bank is doing specially during a pandemic year and inflation theyre taking advantage of their customers and affecting the credit score i told synchrony bank that the only reason that my score is affected is because what they did with my credit line where they decreased it below the amount i owe synchrony bank decreased the credit line closed to when the promotion expired theyre sharks trying to charge fees and ruin the credit of the costumers none other banks that i have are doing what synchrony bank is doing,"['credit limit decrease', 'credit score', 'fee', 'promotion']"
203,2173667,44896,General-purpose credit card or charge card,Fees or interest,SYNCHRONY FINANCIAL,CA,""" Care Credit '' is a credit service offered to mostly low income people. It can be applied for veterinarian services as well which is very helpful. Last year my neighbor 's dog attacked and almost killed my little dog. They did not offer to help me with the bill. It was over a XXXX dollars. I did not have the money so the vet suggested Care Credit XXXX Synchrony Bank ). I was approved but with an enormous interest rate of 26.5 % percent. This is predatory. This is Synchrony Bank forcing extremely high interest rates on low income people in need. Per pretty good credit since I requested Synchrony Bank reevaluate and consider lowering my exorbitant and predatory interest rate. They just responded that they refuse to do this. "" Care Credit '' is a misnomer and people need to stop referring low income people to this credit service. They in fact prey on low income people and their interest rates are predatory. They have also charged me at least {$29.00} in fees! I can't get an explanation why. I am asking CFPB to help me in negotiating a lower interest rate and get an explanation why the fees?. I can say my goal is to pay it off as soon as I can and close the predatory account and never use this credit service again. Thank you.",generalpurpose credit card or charge card fees or interest synchrony financial CA care credit is a credit service offered to mostly low income people it can be applied for veterinarian services as well which is very helpful last year my neighbor s dog attacked and almost killed my little dog they did not offer to help me with the bill it was over a xxxx dollars i did not have the money so the vet suggested care credit xxxx synchrony bank i was approved but with an enormous interest rate of percent this is predatory this is synchrony bank forcing extremely high interest rates on low income people in need per pretty good credit since i requested synchrony bank reevaluate and consider lowering my exorbitant and predatory interest rate they just responded that they refuse to do this care credit is a misnomer and people need to stop referring low income people to this credit service they in fact prey on low income people and their interest rates are predatory they have also charged me at least in fees i cant get an explanation why i am asking cfpb to help me in negotiating a lower interest rate and get an explanation why the fees i can say my goal is to pay it off as soon as i can and close the predatory account and never use this credit service again thank you,"['Care Credit', 'predatory', 'predatory', 'interest', 'fee']"
204,2177463,44470,Store credit card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,MN,CareCredit sold a debt that I did not authorize nor did I make the charge on the CareCredit credit card. The unauthorized and or fraud transaction was in the amount of {$2000.00}. I refuse to pay for something I didn't authorize nor did I make nor did I benefit from. CareCredit sold the debt to XXXX XXXX XXXX in the amount of {$3000.00}. XXXX XXXX XXXX is reporting to the credit bureaus as a collection.,store credit card problem with a purchase shown on your statement synchrony financial MN carecredit sold a debt that i did not authorize nor did i make the charge on the carecredit credit card the unauthorized and or fraud transaction was in the amount of i refuse to pay for something i didnt authorize nor did i make nor did i benefit from carecredit sold the debt to xxxx xxxx xxxx in the amount of xxxx xxxx xxxx is reporting to the credit bureaus as a collection,"['Care Credit', 'without consent', 'fraud']"
205,2193796,45078,Store credit card,Getting a credit card,SYNCHRONY FINANCIAL,MO,I applied online to Lowes CC. Their verification includes submitting my Social Security No. drivers license picture and a current photo of myself. This was done via a link that was sent to my mobile phone. I had a problem with how to continue after the above verification and a Lowes customer representative connected me with the CC issuer who just informed me that I was denied. I received an email with a letter from Synchrony Bank dated XX/XX/2023 ( Ref XXXX ) that I was denied since they could not confirm my identity. My license was renewed last year so my current picture is still the same the Synchrony Bank customer representative on the phone never asked me any identifying questions before informing me that I was denied. Additionally I currently have 3 IRA CDs with Synchrony Bank It looks like the denial was based on my age and my XXXX XXXX XXXX more than any other reason.,store credit card getting a credit card synchrony financial MO i applied online to lowes cc their verification includes submitting my social security no drivers license picture and a current photo of myself this was done via a link that was sent to my mobile phone i had a problem with how to continue after the above verification and a lowes customer representative connected me with the cc issuer who just informed me that i was denied i received an email with a letter from synchrony bank dated xxxx ref xxxx that i was denied since they could not confirm my identity my license was renewed last year so my current picture is still the same the synchrony bank customer representative on the phone never asked me any identifying questions before informing me that i was denied additionally i currently have ira cds with synchrony bank it looks like the denial was based on my age and my xxxx xxxx xxxx more than any other reason,"['Lowes', 'Social Security']"
206,2273750,44866,Store credit card,Closing your account,SYNCHRONY FINANCIAL,PA,I received an email from Synchrony bankXXXX stating that my credit card account was closed. I have always made payments on time with the exception of XXXX where I paid the account late. In either XXXX or XXXX I had an issue with this account because I paid at the beginning of the month and had been doing so since I got the card. I was charged a late fee for paying my account on the same day the invoice was made ( the XXXX XXXX. I disputed the late fee and was told that I paid it too early and the payment I made was applied to the previous month 's statement even though I had already paid that month 's installment. The phone calls I made to the bank were recorded by the bank. My payments with the exception of this month XXXX have always been paid before the XXXX of the month which is when the payments are usually due. Now all of a sudden I receive notification that they closed my account. I chose to go this route as opposed to reaching out to Synchrony Bank because my previous conversations with them about my account have been very unpleasant. They couldn't understand why I felt that my payment was on time be it that the invoice was made that day.,store credit card closing your account synchrony financial PA i received an email from synchrony bankxxxx stating that my credit card account was closed i have always made payments on time with the exception of xxxx where i paid the account late in either xxxx or xxxx i had an issue with this account because i paid at the beginning of the month and had been doing so since i got the card i was charged a late fee for paying my account on the same day the invoice was made the xxxx xxxx i disputed the late fee and was told that i paid it too early and the payment i made was applied to the previous month s statement even though i had already paid that month s installment the phone calls i made to the bank were recorded by the bank my payments with the exception of this month xxxx have always been paid before the xxxx of the month which is when the payments are usually due now all of a sudden i receive notification that they closed my account i chose to go this route as opposed to reaching out to synchrony bank because my previous conversations with them about my account have been very unpleasant they couldnt understand why i felt that my payment was on time be it that the invoice was made that day,"['credit card', 'account closed', 'late fee']"
207,2296102,44013,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,NC,The was an illegal inquiry/pull of my credit report by syncb paypal in XX/XX/XXXX. XXXX and XXXX XXXX are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with syncb paypal or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after syncb PayPal sent letters that acknowledged this XXXX and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter they just using that to cover there XXXX. All documents have been attached including SYNCB/PAYPAL acknowledgement of illegal account and the request to delete it from XXXX XXXX false statements made on behalf of XXXX and fake letters they said they sent.,credit reporting improper use of your report synchrony financial NC the was an illegal inquirypull of my credit report by syncb paypal in xxxxxxxx xxxx and xxxx xxxx are displaying illegal and allowing illegal use of my credit report i dont have and never had account with syncb paypal or giving anyone permission to pull my credit report or put anything on it which is supported by attachments even after syncb paypal sent letters that acknowledged this xxxx and xxxx xxxx continues to display illegal innacurrate information information remains on report in relation to illegal inquiry also xxxx stated that i requested a fraud alert and also that they sent me a letter that is absolutely false i already had fraud alerts and blocks on my credit report because of fraudulent activity they never sent me a letter they just using that to cover there xxxx all documents have been attached including syncbpaypal acknowledgement of illegal account and the request to delete it from xxxx xxxx false statements made on behalf of xxxx and fake letters they said they sent,"['illegal', 'credit report', 'PayPal', 'fake']"
208,2297334,44986,General-purpose credit card or charge card,Problem when making payments,SYNCHRONY FINANCIAL,WA,I have been trying for two months to pay my PayPal / Synchrony Bank credit card payment. The moment the payment is a day late they block access to the online account and force the consumer to call. I don't trust over-the-phone payment systems and don't need to tolerate verbal abuse by their billing agents. This is not the first time this company has used this abusive billing practice to prevent customers from making their payments online and reviewing charges on their accounts. Last time I found several charges but by the time I was able to access my account it was too late to file a claim. This is not fair debt collection. I've requested at leas t two or three times a week via e-mail service that they unblock my access so I can pay my payment. I'm now about 40 days past due which is going to impact my credit because they refuse to allow me access to make my payment. When I did call the number it said there was no account associated with my phone number. Their systems do not recognize me yet they call me several times daily and send text messages and emails daily but their system claims no account exists. They're trying to force me to talk to their collections department on the phone and give my full social security number so they can locate my account and I am not providing that information via the phone. This seems to be an unfair business practice when there is no way for me to make a payment. I have no checks I've always paid bills online. I can not access statements or activities and have no way to know if any unauthorized charges have gone through. All my statements are in the online portal because I have paperless billing. Even though I have been struggling between jobs this is the ONLY account I am behind on which should tell you something. Their practices are preventing me from paying what I owe. If they want me to pay they need to stop arbitrarily blocking access to my payment portal so I can actually submit a payment. I don't have a physical card for this account. I haven't used it in months and did not realize it had been lost likely when I moved six months ago. I can't even send a cashier 's check to their billing address at this point because I do not have the full account number. I've sent this request so many times via their e-mail customer service yet they refuse to even acknowledge my messages or attempt to resolve the issue so they can collect payment. This should not be an impossible request and they should not be able to ignore my countless requests to access my account online or in the app. Both m ethods disallow access claiming no account exists. If no account exists then I guess I do not owe them money. If they want to be paid they should allow customers to pay how they feel comfortable. These kinds of punitive practices should be disallowed if they aren't already. Fair debt collection is just that : Fair. This abuse of process is not fair.,generalpurpose credit card or charge card problem when making payments synchrony financial WA i have been trying for two months to pay my paypal synchrony bank credit card payment the moment the payment is a day late they block access to the online account and force the consumer to call i dont trust overthephone payment systems and dont need to tolerate verbal abuse by their billing agents this is not the first time this company has used this abusive billing practice to prevent customers from making their payments online and reviewing charges on their accounts last time i found several charges but by the time i was able to access my account it was too late to file a claim this is not fair debt collection ive requested at leas t two or three times a week via email service that they unblock my access so i can pay my payment im now about days past due which is going to impact my credit because they refuse to allow me access to make my payment when i did call the number it said there was no account associated with my phone number their systems do not recognize me yet they call me several times daily and send text messages and emails daily but their system claims no account exists theyre trying to force me to talk to their collections department on the phone and give my full social security number so they can locate my account and i am not providing that information via the phone this seems to be an unfair business practice when there is no way for me to make a payment i have no checks ive always paid bills online i can not access statements or activities and have no way to know if any unauthorized charges have gone through all my statements are in the online portal because i have paperless billing even though i have been struggling between jobs this is the only account i am behind on which should tell you something their practices are preventing me from paying what i owe if they want me to pay they need to stop arbitrarily blocking access to my payment portal so i can actually submit a payment i dont have a physical card for this account i havent used it in months and did not realize it had been lost likely when i moved six months ago i cant even send a cashier s check to their billing address at this point because i do not have the full account number ive sent this request so many times via their email customer service yet they refuse to even acknowledge my messages or attempt to resolve the issue so they can collect payment this should not be an impossible request and they should not be able to ignore my countless requests to access my account online or in the app both m ethods disallow access claiming no account exists if no account exists then i guess i do not owe them money if they want to be paid they should allow customers to pay how they feel comfortable these kinds of punitive practices should be disallowed if they arent already fair debt collection is just that fair this abuse of process is not fair,"['PayPal', 'credit card', 'access account']"
209,2298444,43709,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,TX,I have a charge off from Synchrony Bank XXXX XXXX XXXX XXXX XXXX in the amount of {$1700.00}. This account was sold to my knowledge to XXXX XXXX collection agency as far back as XXXX 2019. I am in the process of paying this debt in full with XXXX. At the present time Synchrony is still reporting on my credit report that I owe them after sending numerous certified letters.,credit card debt attempts to collect debt not owed synchrony financial TX i have a charge off from synchrony bank xxxx xxxx xxxx xxxx xxxx in the amount of this account was sold to my knowledge to xxxx xxxx collection agency as far back as xxxx i am in the process of paying this debt in full with xxxx at the present time synchrony is still reporting on my credit report that i owe them after sending numerous certified letters,"['charge off', 'credit report']"
210,2301318,45078,Credit card debt,False statements or representation,SYNCHRONY FINANCIAL,MA,I am writing to file a formal complaint against your institution and PayPal PayPal Credit Synchrony Bank and XXXX regarding ongoing violations of the billing error settlement process I am writing to inform you that I have sent all relevant parties a 30-day demand letter in accordance with MGL 93A section 9 ( PayPal PayPal Credit Synchrony Bank XXXX and XXXX ) for their violations of the Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1601-1661 and the Truth in Lending Acts ( TILA ) unauthorized use provision 15 U.S.C. 1643. Your failure to complete the investigation within two billing cycles and the erroneous chargebacks totaling {$2900.00} as of XX/XX/XXXX and rising have prompted this complaint. Furthermore I would like to bring to your attention that as of today you have reported my account as delinquent and are attempting to collect which is a direct violation of federal law. Complaint Details : - Parties involved : PayPal PayPal Credit Synchrony Bank and XXXX - Violated FCBA Provision : Failure to promptly credit or refund overpayments and other amounts owed to my account as outlined in Section [ insert relevant FCBA section ]. - Transaction Details : On XX/XX/XXXX I purchased a XXXX vacation for {$530.00}. Subsequently on XX/XX/XXXX XXXX issued a refund credit of {$110.00} for the rental car portion and on XX/XX/XXXX XXXX Washington XXXX DC approved a one-time merchant refund for the hotel portion of {$430.00}. - Unauthorized Charge : On XX/XX/XXXX PayPal authorized a chargeback for the same amount of {$5600.00} falsely claiming it was a provisional credit. However it appeared on my statement as a new charge with a different receipt number. The original refund from the XX/XX/XXXX transaction was never issued. - Consumer Financial Protection Bureau ( CFPB ) Complaint : In XXXX I filed a complaint with the CFPB and informed PayPal in writing that I refused to pay for the charge and demanded corrective measures and the appropriate refund for the rental portion. - Misleading Resolution : PayPal informed the CFPB that they resolved the issue and issued a refund of {$530.00} on XX/XX/XXXX which was essentially the provisional credit from XX/XX/XXXX. However they never refunded the original XX/XX/XXXX transaction. - Ineffective Dispute Resolution : Despite multiple calls to PayPal to dispute the credit card charge XXXX informed me that I had lost my dispute case leading to no adjustments being processed. Additionally the XX/XX/XXXX charge that had been applied to other transactions was never removed after the provisional credit refund was issued. - Current Status : As of XX/XX/XXXX my account remains incorrect. PayPal and the credit bureaus continue to report that I owe them {$530.00}. They are charging me interest on this transaction and have provided false information to the CFPB and credit reporting agencies falsely claiming that they resolved the issue. - Official False Credit Billing Dispute : In XXXX I submitted a letter stating that I refuse to pay for the charge and filed an official false credit billing dispute complaint which PayPal has yet to acknowledge or respond to appropriately. They have continued to report the amount owed for seven months despite my objections and have denied me the refunds that I am entitled to. These unfair deceptive and abusive practices have caused financial harm and adversely impacted my credit report. I expect a prompt and thorough investigation into these matters and request an immediate correction of my account. Furthermore I demand that you cease reporting my account as delinquent and halt any collection efforts as they are in violation of federal law. Subject : Notice of Sent 30-Day Demand Letter in Accordance with MGL Ch 93a section 9 to PayPal et . al PayPal Credit and Synchrony Bank Financial certified mail on XX/XX/XXXX Tracking Number ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Financial Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( PayPal et.al ) This complaint serves as a formal notice to the regulatory agency of my attempt to resolve the matter amicably within the specified legal framework. I kindly request your attention and involvement in ensuring a fair and timely resolution. Thank you for your assistance in this matter.,credit card debt false statements or representation synchrony financial MA i am writing to file a formal complaint against your institution and paypal paypal credit synchrony bank and xxxx regarding ongoing violations of the billing error settlement process i am writing to inform you that i have sent all relevant parties a day demand letter in accordance with mgl a section paypal paypal credit synchrony bank xxxx and xxxx for their violations of the fair credit billing act fcba usc and the truth in lending acts tila unauthorized use provision usc your failure to complete the investigation within two billing cycles and the erroneous chargebacks totaling as of xxxxxxxx and rising have prompted this complaint furthermore i would like to bring to your attention that as of today you have reported my account as delinquent and are attempting to collect which is a direct violation of federal law complaint details parties involved paypal paypal credit synchrony bank and xxxx violated fcba provision failure to promptly credit or refund overpayments and other amounts owed to my account as outlined in section insert relevant fcba section transaction details on xxxxxxxx i purchased a xxxx vacation for subsequently on xxxxxxxx xxxx issued a refund credit of for the rental car portion and on xxxxxxxx xxxx washington xxxx dc approved a onetime merchant refund for the hotel portion of unauthorized charge on xxxxxxxx paypal authorized a chargeback for the same amount of falsely claiming it was a provisional credit however it appeared on my statement as a new charge with a different receipt number the original refund from the xxxxxxxx transaction was never issued consumer financial protection bureau cfpb complaint in xxxx i filed a complaint with the cfpb and informed paypal in writing that i refused to pay for the charge and demanded corrective measures and the appropriate refund for the rental portion misleading resolution paypal informed the cfpb that they resolved the issue and issued a refund of on xxxxxxxx which was essentially the provisional credit from xxxxxxxx however they never refunded the original xxxxxxxx transaction ineffective dispute resolution despite multiple calls to paypal to dispute the credit card charge xxxx informed me that i had lost my dispute case leading to no adjustments being processed additionally the xxxxxxxx charge that had been applied to other transactions was never removed after the provisional credit refund was issued current status as of xxxxxxxx my account remains incorrect paypal and the credit bureaus continue to report that i owe them they are charging me interest on this transaction and have provided false information to the cfpb and credit reporting agencies falsely claiming that they resolved the issue official false credit billing dispute in xxxx i submitted a letter stating that i refuse to pay for the charge and filed an official false credit billing dispute complaint which paypal has yet to acknowledge or respond to appropriately they have continued to report the amount owed for seven months despite my objections and have denied me the refunds that i am entitled to these unfair deceptive and abusive practices have caused financial harm and adversely impacted my credit report i expect a prompt and thorough investigation into these matters and request an immediate correction of my account furthermore i demand that you cease reporting my account as delinquent and halt any collection efforts as they are in violation of federal law subject notice of sent day demand letter in accordance with mgl ch a section to paypal et al paypal credit and synchrony bank financial certified mail on xxxxxxxx tracking number s xxxx xxxx xxxx xxxx xxxx xxxx xxxx synchrony financial bank xxxx xxxx xxxx xxxx xxxx xxxx paypal etal this complaint serves as a formal notice to the regulatory agency of my attempt to resolve the matter amicably within the specified legal framework i kindly request your attention and involvement in ensuring a fair and timely resolution thank you for your assistance in this matter,"['PayPal', 'delinquent', 'without consent', 'deceptive practices']"
211,2302869,43862,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,PA,On XX/XX/XXXX XXXX and XXXX XXXX I attempted to make online payments for my account in the amount of XXXX. I kept getting a system error. At that time I called and scheduled for the payment of {$82.00} to be processed on XX/XX/XXXX. On XX/XX/XXXX I received a credit monitoring alert that I had a payment that was then 30 days past due as care credit did not process the payment that they were authorized to do on the XXXX. I was able to get on and make the payment at that time. On XX/XX/XXXX I called 3 different numbers and was transferred to 6 different departments regarding this issue. No one in any of these 6 departments seemed to understand how to correct the error and bounced me around for 2 hours claiming that it was another department that could correct the error. On the final call the representative stated that they could open a complaint and they saw where the error had occurred but they didn't know who could fix it at this time. The numbers that I was given were XXXX XXXX XXXX ( not even the correct company ) and XXXX. The representative I spoke with last tried telling me to call yet another number but I explained that would not be happening and to check my account before disconnecting me again.,credit reporting incorrect information on your report synchrony financial PA on xxxxxxxx xxxx and xxxx xxxx i attempted to make online payments for my account in the amount of xxxx i kept getting a system error at that time i called and scheduled for the payment of to be processed on xxxxxxxx on xxxxxxxx i received a credit monitoring alert that i had a payment that was then days past due as care credit did not process the payment that they were authorized to do on the xxxx i was able to get on and make the payment at that time on xxxxxxxx i called different numbers and was transferred to different departments regarding this issue no one in any of these departments seemed to understand how to correct the error and bounced me around for hours claiming that it was another department that could correct the error on the final call the representative stated that they could open a complaint and they saw where the error had occurred but they didnt know who could fix it at this time the numbers that i was given were xxxx xxxx xxxx not even the correct company and xxxx the representative i spoke with last tried telling me to call yet another number but i explained that would not be happening and to check my account before disconnecting me again,"['Care Credit', 'authorized']"
212,2302937,44228,Credit card debt,False statements or representation,SYNCHRONY FINANCIAL,TX,My complaint is regarding Syncb Bank for Jcpenny and Walmart. I have tried numerous times to resolve this debt with Syncb bank to either settle this out with them or pay this off. They have refused to accept any money for these accounts due to them stating they have sent me a 1099. I have requested for the 1099 to be resent to me because it was sent to another address which I do not live at. They refuse to accept any payment from me. I find this to be crazy that a financial institution refusing to accept payment for any account. Attempted on XX/XX/2021XX/XX/21 and XX/XX/21to resolve this outstanding debt. JCPenny Account Number XXXX {$2200.00} Walmart Account Number XXXX {$1100.00} Please assist me with this issue,credit card debt false statements or representation synchrony financial TX my complaint is regarding syncb bank for jcpenny and walmart i have tried numerous times to resolve this debt with syncb bank to either settle this out with them or pay this off they have refused to accept any money for these accounts due to them stating they have sent me a i have requested for the to be resent to me because it was sent to another address which i do not live at they refuse to accept any payment from me i find this to be crazy that a financial institution refusing to accept payment for any account attempted on xxxxxxxx and xxxxto resolve this outstanding debt jcpenny account number xxxx walmart account number xxxx please assist me with this issue,"['JC Penney', 'Walmart', 'debt']"
213,2318345,43556,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,MI,30 days ago I sent a dispute letter to SYNCB asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.,credit card debt attempts to collect debt not owed synchrony financial MI days ago i sent a dispute letter to syncb asking that they verify that i owed the debt thats being reported on my credit report i havent received any verification or consumer contract showing that im responsible for this debt i would like for this inaccurate information to be removed from my credit report,"['dispute',  'credit report', 'debt', 'inaccurate']"
214,2333939,44440,Store credit card,Other features terms or problems,SYNCHRONY FINANCIAL,PA,Synchrony closed my XXXX XXXX XXXX credit card in XXXX of last year and I have regularly made my payments they are still reporting the activity on the card as if it was open. I had a promotional plan honestly I forgot about but they had lowered the amount available on the card enough so that when the promotional plan expired it showed a XXXX available on the account they then reported this to the credit bureau and my credit score was lowered 13 points because of it.,store credit card other features terms or problems synchrony financial PA synchrony closed my xxxx xxxx xxxx credit card in xxxx of last year and i have regularly made my payments they are still reporting the activity on the card as if it was open i had a promotional plan honestly i forgot about but they had lowered the amount available on the card enough so that when the promotional plan expired it showed a xxxx available on the account they then reported this to the credit bureau and my credit score was lowered points because of it,"['account closed', 'credit card', 'promotion', 'credit bureaus', 'credit score']"
215,2338386,44228,Store credit card,Advertising and marketing including promotional offers,SYNCHRONY FINANCIAL,GA,I was in Sams club and a club employee came to me asked if I was interested in receiving store rewards. She proceeded to ask what kind of card I had and she could see what additional rewards I could receive. I gave her may name and she looked up my membership and she asked that I put in my social security number. When doing so she said congratulations you have been approved. At that point I looked at the XXXX and noticed it was for a credit card. I told her that I didn't want a credit card. She said well you were approved. I explained that I didn't want it and she said when the card comes in just cancel it. I told her to cancel the transaction and she showed me were she went back and answered NO to several questions and she stated that it should be okay. By the time I got to my vehicle I got a notice from XXXX XXXX that my credit was ran. When I got home I called Sams credit card company and they notified me that I was approved for XXXX. I requested them to cancel the card immediately. The Sam 's associate was very misleading and I am in the process of refinancing my home and her actions can can result in me not being able to get a loan for my home.,store credit card advertising and marketing including promotional offers synchrony financial GA i was in sams club and a club employee came to me asked if i was interested in receiving store rewards she proceeded to ask what kind of card i had and she could see what additional rewards i could receive i gave her may name and she looked up my membership and she asked that i put in my social security number when doing so she said congratulations you have been approved at that point i looked at the xxxx and noticed it was for a credit card i told her that i didnt want a credit card she said well you were approved i explained that i didnt want it and she said when the card comes in just cancel it i told her to cancel the transaction and she showed me were she went back and answered no to several questions and she stated that it should be okay by the time i got to my vehicle i got a notice from xxxx xxxx that my credit was ran when i got home i called sams credit card company and they notified me that i was approved for xxxx i requested them to cancel the card immediately the sam s associate was very misleading and i am in the process of refinancing my home and her actions can can result in me not being able to get a loan for my home,"['Sams Club', 'misleading', 'rewards', 'credit card']"
216,2412257,44166,Store credit card,Closing your account,SYNCHRONY FINANCIAL,OH,"On Friday XXXX I tried to use my Amazon Store Card with Synchrony Bank and it was declined. Shocked as I have excellent credit I called Saturday XXXX and was told the credit card was closed. From there every single one of my credit cards with Synchrony Bank were closed. When I spoke to the customer service representative I was told I was "" high risk ''. I have perfect credit I've never been late on a payment and do not have high utilization. Each representative I spoke to for each card would not help me and told me to reapply. This is going to drastically affect my credit score taking away close to {$30000.00} of open credit. I have worked many years to get my credit where it is and can not understand why this company would do this. Just last month they gave me a credit limit increase on my Lowe 's card by {$3000.00} and another limit increase on my Amazon card by {$2000.00} and closed them a month later. If I was high risk why increase my credit limit? What a terrible time to do this at XXXX not that anytime is good. I have been reading horrible reviews about Synchrony Bank.",store credit card closing your account synchrony financial OH on friday xxxx i tried to use my amazon store card with synchrony bank and it was declined shocked as i have excellent credit i called saturday xxxx and was told the credit card was closed from there every single one of my credit cards with synchrony bank were closed when i spoke to the customer service representative i was told i was high risk i have perfect credit ive never been late on a payment and do not have high utilization each representative i spoke to for each card would not help me and told me to reapply this is going to drastically affect my credit score taking away close to of open credit i have worked many years to get my credit where it is and can not understand why this company would do this just last month they gave me a credit limit increase on my lowe s card by and another limit increase on my amazon card by and closed them a month later if i was high risk why increase my credit limit what a terrible time to do this at xxxx not that anytime is good i have been reading horrible reviews about synchrony bank,"['Amazon', 'declined', 'account closed', 'high risk']"
217,2426792,44927,Store credit card,Struggling to pay your bill,SYNCHRONY FINANCIAL,FL,"On or about XX/XX/2022 Synchrony Bank was contacted about my lowes card and I explained my situation of unemployment and no income due to being medically disqualified to continue my 25 year career by a federal agency. I requested auto pay option be stopped as well. I thought my card ( s ) and account would be suspended without penalties due to my situation ( best scenario for everyone involved I thought- my card had about a few hundred $ bal ). 40 years total of employment and credit building all down the tubes.Documentation was declined/refused and only response I received was "" you still have to pay and on time if no penalties '' I reminded them of no income and the response was "" we have a payment plan '' Same as my former employer-punished and penalized for being sick.. I'm not asking for freebies just a realistic amount of time ( up to social security etc ) ... not to be punished. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX",store credit card struggling to pay your bill synchrony financial FL on or about xxxx synchrony bank was contacted about my lowes card and i explained my situation of unemployment and no income due to being medically disqualified to continue my year career by a federal agency i requested auto pay option be stopped as well i thought my card s and account would be suspended without penalties due to my situation best scenario for everyone involved i thought my card had about a few hundred bal years total of employment and credit building all down the tubesdocumentation was declinedrefused and only response i received was you still have to pay and on time if no penalties i reminded them of no income and the response was we have a payment plan same as my former employerpunished and penalized for being sick im not asking for freebies just a realistic amount of time up to social security etc not to be punished xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx,"['Lowes', 'unemployment', 'denied']"
218,2434809,44774,General-purpose credit card or charge card,Incorrect information on your report,SYNCHRONY FINANCIAL,MI,It makes no sense that by the time you add your pictures you're logged out and have to start all over. The Consumer Protection Bureau should automatically save a complaint you start instead of having a person start all over. I always try to resolve issues with companies before filing any consumer complaints. My credit have been ruined because of these 5 companies. I'll be filing 5 consumer complaints on 5 different companies that have reported FALSE information to the Credit Bureaus. My credit score have dropped over 100 points within 30 days due to these companies. The Credit Bureaus allow companies to report anything including FALSE information without allowingvthe customer to fix it before they report it. Therefore i'll be also filing a consumer complaint against all 3 Credit Bureaus with the Attorney General 's Office. I have a Care Credit Card with Synchrony Bank. I was very embarassed when i was due to have a much needed XXXX XXXXXXXX in which if i don't have this XXXX it could XXXX XXXX XXXX XXXX and i could die. O was also embarassed when i couldn't get my kids much needed medical things for my XXXX XXXX Child and my XXXX Child. Synchrony Bank lowered my credit limit from {$970.00} to {$230.00} which makes the card not worth having if you're financing anything. I called Synchrony Bank to ask why they lowered my credit limit only to laughed at by one of their Sarcastic employees. Even when i told Synchrony Bank i was a victim of recent Identity Theft they still kept my credit limit lowered preventing me from having much needed dental needs and medical things for my children who have XXXX XXXX as well that our insurance doesn't cover. Synchrony Bank only told me after the fact they lowered it that my credit limit was lowered. Lowering my credit score caused my credit score to drop as well as increase my usage which i kept at 30 % or lower.,generalpurpose credit card or charge card incorrect information on your report synchrony financial MI it makes no sense that by the time you add your pictures youre logged out and have to start all over the consumer protection bureau should automatically save a complaint you start instead of having a person start all over i always try to resolve issues with companies before filing any consumer complaints my credit have been ruined because of these companies ill be filing consumer complaints on different companies that have reported false information to the credit bureaus my credit score have dropped over points within days due to these companies the credit bureaus allow companies to report anything including false information without allowingvthe customer to fix it before they report it therefore ill be also filing a consumer complaint against all credit bureaus with the attorney general s office i have a care credit card with synchrony bank i was very embarassed when i was due to have a much needed xxxx xxxxxxxx in which if i dont have this xxxx it could xxxx xxxx xxxx xxxx and i could die o was also embarassed when i couldnt get my kids much needed medical things for my xxxx xxxx child and my xxxx child synchrony bank lowered my credit limit from to which makes the card not worth having if youre financing anything i called synchrony bank to ask why they lowered my credit limit only to laughed at by one of their sarcastic employees even when i told synchrony bank i was a victim of recent identity theft they still kept my credit limit lowered preventing me from having much needed dental needs and medical things for my children who have xxxx xxxx as well that our insurance doesnt cover synchrony bank only told me after the fact they lowered it that my credit limit was lowered lowering my credit score caused my credit score to drop as well as increase my usage which i kept at or lower,"['credit bureaus', 'credit limit decrease']"
219,2453737,45017,Store credit card,Other features terms or problems,SYNCHRONY FINANCIAL,NJ,My complaint is against Sam 's club they have sold my account to a collection agency XXXX XXXX I can not get information on how I owe this balance of XXXX called Sam 's club no info XXXX XXXX is threatening and this account is time barred for 7 years since last payment on XXXX all phone numbers for XXXX XXXX are not reachable I made payment arrangement but they never sent me confirmation or any paperwork stopped payment on check because they may be a scam but because of nj statue of limitations law they can not sue me I spoke to someone from XXXX XXXX on XXXX XXXX XXXX can not reach anyone after,store credit card other features terms or problems synchrony financial NJ my complaint is against sam s club they have sold my account to a collection agency xxxx xxxx i can not get information on how i owe this balance of xxxx called sam s club no info xxxx xxxx is threatening and this account is time barred for years since last payment on xxxx all phone numbers for xxxx xxxx are not reachable i made payment arrangement but they never sent me confirmation or any paperwork stopped payment on check because they may be a scam but because of nj statue of limitations law they can not sue me i spoke to someone from xxxx xxxx on xxxx xxxx xxxx can not reach anyone after,"['Sams Club', 'account', 'fraud']"
220,2465332,45047,Store credit card,Getting a credit card,SYNCHRONY FINANCIAL,OK,"On XX/XX/XXXX I was alerted that a application i did for care credit had been denied due to a previous applicaiton being approved. I never recieved any approval notices or cards in the mail. I calle Synchrony card services/care credit to resolve the matter they stated that someone opened a card with my social and a different name. They assured me that account would be closed and they if I sbmitted a new application they would "" manually approve it '' and apologized for the inconvienece after several transfers and talking to several different reps I completed a new application over the phone as i was instructed to do they denied it and said that decision was final depsite what the fraud rep told me. Then upon checking for more information on how someone could open an account with my social and not my name they said they cant give me any information and to check with the credit burea. They handled to sitiuation poorly every rep gave me different information continuaslly tranferred me to the wrong departments and I completed another application with them which palced an inquiry on my credit only to be denied after their rep said it would be apporved as long as I completed a new application which every rep after that told me they cant manually approve anything despite more than one rep stating they would do so.",store credit card getting a credit card synchrony financial OK on xxxxxxxx i was alerted that a application i did for care credit had been denied due to a previous applicaiton being approved i never recieved any approval notices or cards in the mail i calle synchrony card servicescare credit to resolve the matter they stated that someone opened a card with my social and a different name they assured me that account would be closed and they if i sbmitted a new application they would manually approve it and apologized for the inconvienece after several transfers and talking to several different reps i completed a new application over the phone as i was instructed to do they denied it and said that decision was final depsite what the fraud rep told me then upon checking for more information on how someone could open an account with my social and not my name they said they cant give me any information and to check with the credit burea they handled to sitiuation poorly every rep gave me different information continuaslly tranferred me to the wrong departments and i completed another application with them which palced an inquiry on my credit only to be denied after their rep said it would be apporved as long as i completed a new application which every rep after that told me they cant manually approve anything despite more than one rep stating they would do so,"['application', 'denied', 'care credit', 'open account', 'fraud']"
221,2472987,45078,Store credit card,Problem when making payments,SYNCHRONY FINANCIAL,MI,Received an email Synchrony Bank / Amazon Store Credit Card on XXXX saying I missed a payment due XX/XX/XXXX. Called XXXX XXXX in email that stated Mail Payment to : Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX Went to my XXXX Account on Computer called their Customer Service # saying they received my payment and I was not late and that it was a scam. I almost mailed them XXXX dollars. Please get these Fraudsters.,store credit card problem when making payments synchrony financial MI received an email synchrony bank amazon store credit card on xxxx saying i missed a payment due xxxxxxxx called xxxx xxxx in email that stated mail payment to synchrony bank xxxx xxxx xxxx xxxx xxxx xxxx went to my xxxx account on computer called their customer service saying they received my payment and i was not late and that it was a scam i almost mailed them xxxx dollars please get these fraudsters,"['Amazon', 'email', 'scam']"
222,2478568,45017,General-purpose credit card or charge card,Other features terms or problems,SYNCHRONY FINANCIAL,OH,I have a Sams Club MasterCard which is through synchrony bank. I had an unauthorized charge of {$100.00} that I did not authorize. My account was hacked. I never lost my credit card yet synchrony bank would not remove it from my account until up to 60 days after they investigate. I have aI have a Sams Club MasterCard which is through synchrony bank. I had a unauthorized charge of {$100.00} that I did not authorize. My account was hacked. I never lost my credit card yet synchrony bank would not remove it from my account until up to 60 days after they investigate. I have never had an unauthorized charge that was not removed immediately yet synchrony bank refuses to remove this charge. I have paid my bill up to that {$100.00}. This was not my charge yet they refused to remove it until they investigate. That is like saying I am guilty until they prove me innocent. This is unacceptable. I want discharge remove from my account immediately.,generalpurpose credit card or charge card other features terms or problems synchrony financial OH i have a sams club mastercard which is through synchrony bank i had an unauthorized charge of that i did not authorize my account was hacked i never lost my credit card yet synchrony bank would not remove it from my account until up to days after they investigate i have ai have a sams club mastercard which is through synchrony bank i had a unauthorized charge of that i did not authorize my account was hacked i never lost my credit card yet synchrony bank would not remove it from my account until up to days after they investigate i have never had an unauthorized charge that was not removed immediately yet synchrony bank refuses to remove this charge i have paid my bill up to that this was not my charge yet they refused to remove it until they investigate that is like saying i am guilty until they prove me innocent this is unacceptable i want discharge remove from my account immediately,"['Sams Club', 'Mastercard', 'without consent']"
223,2519058,44805,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,CO,XX/XX/2022 I learned my Synchrony XXXX XXXX account as sent to collections although my statements show the account current. Synchrony sent me to collections after rejecting a proposal from a debt management company XXXX XXXX XXXX XXXX XXXX and the payment sent in my XXXX XXXX. I asked about the status of the account and a copy of my statement and Synchrony told me a verbal cease and desist order was placed on my account with a telephone call XX/XX/2022. I was at work in a team meeting when the supposed phone call was made. There's some fraud or identity theft going on with my account and I reported the incident to the police. Synchrony has never investigated that phone call and it's hard to find out what is going on with my account. I have been requesting for three months with Synchrony Bank Care Credit card that a cease and desist notice be removed from my account. I faxed a letter XX/XX/2022. I have been calling in for three months to follow up on my XX/XX/2022 letter requesting the cease and desist order be removed. I also need a letter stating the account is paid closed and settled. They won't send me a copy of the letter due to the cease and desist order I never authorized. I need the settlement letter to update my credit report.,credit reporting incorrect information on your report synchrony financial CO xxxx i learned my synchrony xxxx xxxx account as sent to collections although my statements show the account current synchrony sent me to collections after rejecting a proposal from a debt management company xxxx xxxx xxxx xxxx xxxx and the payment sent in my xxxx xxxx i asked about the status of the account and a copy of my statement and synchrony told me a verbal cease and desist order was placed on my account with a telephone call xxxx i was at work in a team meeting when the supposed phone call was made theres some fraud or identity theft going on with my account and i reported the incident to the police synchrony has never investigated that phone call and its hard to find out what is going on with my account i have been requesting for three months with synchrony bank care credit card that a cease and desist notice be removed from my account i faxed a letter xxxx i have been calling in for three months to follow up on my xxxx letter requesting the cease and desist order be removed i also need a letter stating the account is paid closed and settled they wont send me a copy of the letter due to the cease and desist order i never authorized i need the settlement letter to update my credit report,"['Care Credit', 'fraud', 'identity theft']"
224,2521251,45078,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,NY,This account payment history is incorrect. I do not recognize how this account is reporting on my credit report. I do not recognize the late payments associated with this account. Everything reported here does not meet the FCRA. Furthermore the collection is a violation of the 15 USC Code 1681i b. The account is negatively affecting my credit report and I request this late payments be removed.,credit reporting improper use of your report synchrony financial NY this account payment history is incorrect i do not recognize how this account is reporting on my credit report i do not recognize the late payments associated with this account everything reported here does not meet the fcra furthermore the collection is a violation of the usc code i b the account is negatively affecting my credit report and i request this late payments be removed,"['credit report', 'Fair Credit Reporting Act', 'credit report', 'violation']"
225,2522295,44105,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,CA,I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX OF XXXX -- XX/XX/XXXX,credit reporting incorrect information on your report synchrony financial CA i have inncorect inquires on my credit report that are were not authorized they have negativitly affected my credit report below are the unauthorized inquires xxxx xxxx xxxxxxxx xxxx xxxx xxxx xxxxxxxx xxxx xxxx xxxx xxxxxxxx xxxx xxxx xxxx xxxxxxxx xxxx xxxx xxxxxxxx xxxx xxxx xxxx xxxxxxxx xxxx xxxxxxxx xxxx xxxxxxxx xxxx xxxx xxxx xxxx xxxx xxxxxxxx xxxx xxxx xxxxxxxx xxxx xxxx xxxxxxxx xxxx xxxx xxxxxxxx xxxxxxxx xxxxxxxx xxxx of xxxx xxxxxxxx,"['credit report', 'without consent']"
226,2523980,43586,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,,I was recently notified that there was a hard inquiry on my credit report from Syncb/ppc ( XXXX MD ). I learned that this is related to my PayPal Account which I created a month ago only for an XXXX purchase. I was told that a credit account was established under my name. I never initiated a credit account and believe this is likely a fraud situation. Paypal said they would look into it but I never heard back.,,"['hard inquiry', 'credit report',  'PayPal', 'fraud']"
227,2537683,43586,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,NJ,I discovered a loan for jewelry was issued by Synchrony Bank in my name when they contacted me seeking payment. This loan was the result of identity theft. I filed a claim for fraud with the company directly which they denied.,credit card debt attempts to collect debt not owed synchrony financial NJ i discovered a loan for jewelry was issued by synchrony bank in my name when they contacted me seeking payment this loan was the result of identity theft i filed a claim for fraud with the company directly which they denied,"['identity theft', 'fraud']"
228,2545260,43922,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,NC,My Old Navy credit card issued by Synchrony Bank was set to expire XX/XX/2022. I have a perfect payment history with Synchrony Bank and a 100 % payment history on my credit report. Synchrony Bank closed the account without warning me and could not provide a valid reason for doing so. I did not receive any letters or warnings. My credit before they closed the account was better than it was when I applied for the card. They should not have approved me if they were going to later close the card as that hurt my credit score more than never having the card in the first place and is now affecting my ability to look for apartments. I had my credit in a good place and had a plan to get it in an even better place - a plan that's now been ruined by them closing the card and decreasing my available credit. The fact that they did this during a global pandemic is even more egregious. Because my credit was better now than it was originally I suspect discrimination based on my name among other things was involved in the decision.,generalpurpose credit card or charge card closing your account synchrony financial NC my old navy credit card issued by synchrony bank was set to expire xxxx i have a perfect payment history with synchrony bank and a payment history on my credit report synchrony bank closed the account without warning me and could not provide a valid reason for doing so i did not receive any letters or warnings my credit before they closed the account was better than it was when i applied for the card they should not have approved me if they were going to later close the card as that hurt my credit score more than never having the card in the first place and is now affecting my ability to look for apartments i had my credit in a good place and had a plan to get it in an even better place a plan thats now been ruined by them closing the card and decreasing my available credit the fact that they did this during a global pandemic is even more egregious because my credit was better now than it was originally i suspect discrimination based on my name among other things was involved in the decision,"['credit report', 'account closed', 'credit score', 'credit limit decrease', 'discrimination']"
229,2611031,44044,Store credit card,Other features terms or problems,SYNCHRONY FINANCIAL,NV,I hold a secured Amazon store card and was declined t make a request for a credit limit increase. Not simply declined by letter and underwriting but declined by the phone associate who appears to be violating ECOA.,store credit card other features terms or problems synchrony financial NV i hold a secured amazon store card and was declined t make a request for a credit limit increase not simply declined by letter and underwriting but declined by the phone associate who appears to be violating ecoa,"['Amazon', 'credit limit increase', 'denied']"
230,2615179,44896,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,CA,Someone fraudulently charged on my credit card so I reported it and credit card company has denied the claim. I have spent hours on the phone with the company been transferred many times been given wrong phone numbers to call and had to send a picture of my id.,generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial CA someone fraudulently charged on my credit card so i reported it and credit card company has denied the claim i have spent hours on the phone with the company been transferred many times been given wrong phone numbers to call and had to send a picture of my id,"['credit card', 'fraud', 'denied']"
231,2626422,44743,Store credit card,Incorrect information on your report,SYNCHRONY FINANCIAL,VA,Synchrony bank closed my account although I never missed a payment. So I enrolled into a payment plan and requested several times for the collection rep. to ensure there would be no late payment reported with the new plan. Now my credit report showing two 60 day late payments. So I was told incorrect information and then to top it off Synchrony still sent in late payments to the bureaus. I made the minimum monthly payment under the plan as advised. I want to have the phone calls pulled the payment plan was made under and have the 60 days delinquency removed from my credit.,store credit card incorrect information on your report synchrony financial VA synchrony bank closed my account although i never missed a payment so i enrolled into a payment plan and requested several times for the collection rep to ensure there would be no late payment reported with the new plan now my credit report showing two day late payments so i was told incorrect information and then to top it off synchrony still sent in late payments to the bureaus i made the minimum monthly payment under the plan as advised i want to have the phone calls pulled the payment plan was made under and have the days delinquency removed from my credit,"['account closed', 'credit report', 'credit bureaus']"
232,2643309,44348,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,FL,On or about XX/XX/2021 I filed a fraud affidavit with Synchrony Bank. Someone had used my card without my knowledge or permission. My fraud claim was denied stating that statements had been mailed to my home. I rent rooms in my home and tenants have access to all areas of the house. Someone used my card as their own charging and paying the minimum and charging more. I am a XXXX senior and I knew nothing about this. Mastercard states that I am not responsible in the case of fraud. Synchrony continues to bill me for charges that do not belong to me.,generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial FL on or about xxxx i filed a fraud affidavit with synchrony bank someone had used my card without my knowledge or permission my fraud claim was denied stating that statements had been mailed to my home i rent rooms in my home and tenants have access to all areas of the house someone used my card as their own charging and paying the minimum and charging more i am a xxxx senior and i knew nothing about this mastercard states that i am not responsible in the case of fraud synchrony continues to bill me for charges that do not belong to me,"['fraud', 'without consent', 'credit card', 'denied', 'Mastercard']"
233,2650372,45078,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,PA,My brother XXXX XXXX XXXX stole my credit card and was unauthorized to charge my CareCredit credit card in my name. I got a letter with the statement and could not read it well because the letter was wet from the rain. Now I am having a problem with my credit card from CareCredit.com.,generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial PA my brother xxxx xxxx xxxx stole my credit card and was unauthorized to charge my carecredit credit card in my name i got a letter with the statement and could not read it well because the letter was wet from the rain now i am having a problem with my credit card from carecreditcom,"['credit card', 'care credit', 'stolen', 'fraud']"
234,2651437,44317,Store credit card,Incorrect information on your report,SYNCHRONY FINANCIAL,NJ,To whom it may concern I have an account from SYNCB/PC RICHARDS that was paid in full and closed and is still listed on all of my credit reports. I called several times regarding this and was told by SYNCB/PC RICHARDS company this would be removed from my credit report. I just checked again today and currently XX/XX/XXXX and it is still showing up from ( SYNCB/PC RICHARDS ). I would like this updated and removed from all 3 credit report agencies ( XXXX XXXX and XXXX ) as they had promised. Card Detail : SYNCB/PC RICHARDS Opened XX/XX/XXXX ( 18 yrs 4 mos ) Closed XX/XX/XXXX Thank you for your time efforts and assistance in having this removed I am grateful.,store credit card incorrect information on your report synchrony financial NJ to whom it may concern i have an account from syncbpc richards that was paid in full and closed and is still listed on all of my credit reports i called several times regarding this and was told by syncbpc richards company this would be removed from my credit report i just checked again today and currently xxxxxxxx and it is still showing up from syncbpc richards i would like this updated and removed from all credit report agencies xxxx xxxx and xxxx as they had promised card detail syncbpc richards opened xxxxxxxx yrs mos closed xxxxxxxx thank you for your time efforts and assistance in having this removed i am grateful,"['PC Richard', 'credit report', 'credit agencies', 'account closed']"
235,2651794,43922,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,TX,Found out through XXXX XXXX on my XXXX report that there was a hard inquiry from Synchrony Bank on XX/XX/2019 that I did not authorize.,credit reporting improper use of your report synchrony financial TX found out through xxxx xxxx on my xxxx report that there was a hard inquiry from synchrony bank on xxxx that i did not authorize,"['credit report', 'hard inquiry', 'authorization']"
236,2654606,45078,Credit card debt,Written notification about debt,SYNCHRONY FINANCIAL,FL,NOTICE TO CARECREDIT/SYNCHRONY BANK. THIS IS A FINAL WARNING TO STOP YOUR ILLEGAL FRADULENT UNLAWFUL AND ABUSIVE PRACTICES. FALSELY MISLEADING AND COERCE ME INTO PAYING AN ALLEGED DEBT I DO NOT OWE. ANYONE WILLFULLY AND KNOWINGLY VIOLATES MY CONSUMER RIGHTS SHALL BE LIABLE FOR HARM AND INJURIES CAUSED BY SUCH ACTION.,credit card debt written notification about debt synchrony financial FL notice to carecreditsynchrony bank this is a final warning to stop your illegal fradulent unlawful and abusive practices falsely misleading and coerce me into paying an alleged debt i do not owe anyone willfully and knowingly violates my consumer rights shall be liable for harm and injuries caused by such action,"['Care Credit', 'illegal', 'fraud', 'misleading', 'debt']"
237,2659141,45078,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,AZ,I got two letters in the mail from PayPal Credit indicating I have a balance that needs to be paid. When I call the number listed to find out more information it asks for my social security number without giving me the option to talk to a representative. I go to the website ( paypal.com ) and there's no indication of any payments that need to be made. I tried to close my account and it says I cant unless I transfer the sum of money to my debit card. I believe this is a scam.,generalpurpose credit card or charge card closing your account synchrony financial AZ i got two letters in the mail from paypal credit indicating i have a balance that needs to be paid when i call the number listed to find out more information it asks for my social security number without giving me the option to talk to a representative i go to the website paypalcom and theres no indication of any payments that need to be made i tried to close my account and it says i cant unless i transfer the sum of money to my debit card i believe this is a scam,"['PayPal', 'balance', 'social security', 'debit card']"
238,2659388,44013,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,FL,A Care Credit/Synchrony Bank Card was opened in my name without my permission on XX/XX/XXXX and used a XXXX XXXX of XXXX XXXX FL totalling $ XXXXSynchrony bank notified me on XX/XX/XXXX due to payments not being made. I requested the account be closed XX/XX/XXXX due to fraud. However Care Credit/Synchrony continued to take payments from my bank account. An additional call to the Care Credit/Synchrony fraud department was made on on XX/XX/XXXX to close the account but payments were again being taken out of my bank account without my authorization. I filed 3 fraud reports with Care Credit and each claim was denied claiming I benefited from the card. However I never opened the card or used it for XXXX services.I receive XXXX services through my employer and therefore would have no reason to open this card.,generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial FL a care creditsynchrony bank card was opened in my name without my permission on xxxxxxxx and used a xxxx xxxx of xxxx xxxx fl totalling xxxxsynchrony bank notified me on xxxxxxxx due to payments not being made i requested the account be closed xxxxxxxx due to fraud however care creditsynchrony continued to take payments from my bank account an additional call to the care creditsynchrony fraud department was made on on xxxxxxxx to close the account but payments were again being taken out of my bank account without my authorization i filed fraud reports with care credit and each claim was denied claiming i benefited from the card however i never opened the card or used it for xxxx servicesi receive xxxx services through my employer and therefore would have no reason to open this card,"['Care Credit', 'account opened', 'without consent', 'fraud', 'authorization', 'denied']"
239,2671295,43770,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,FL,This kind of account is placed as a charged off account be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition please make sure you quickly remove this specific wrong posting.,credit card debt attempts to collect debt not owed synchrony financial FL this kind of account is placed as a charged off account be sure to inform me precisely why theres a balance indicating on the document whether its a charge off the balance is in fact wrong please make sure to reverse it to xxxx or remove the item fully please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account my demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act if you fail to give these details per my civil rights petition please make sure you quickly remove this specific wrong posting,"['account', 'charge off', 'balance']"
240,2672353,44927,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,MO,I am writing to request the removal of unauthorized credit inquiry. I did not give permission to this company to do a inquiry on my credit. It is in violation of the fcra and my privacy i have made many attempts to resolve this thru the bureau and contacting the company. Please remove.,credit reporting improper use of your report synchrony financial MO i am writing to request the removal of unauthorized credit inquiry i did not give permission to this company to do a inquiry on my credit it is in violation of the fcra and my privacy i have made many attempts to resolve this thru the bureau and contacting the company please remove,"['hard inquiry', 'violation', 'Fair Credit Reporting Act', 'credit report']"
241,2674176,44013,General-purpose credit card or charge card,Trouble using your card,SYNCHRONY FINANCIAL,DE,I have a Synchrony Bank XXXX XXXX that has now be turned off twice this year do to fraudulent activity and I am not notified prior to it being turned off. I always have plenty of credit available and use the card for autopayments so when it is turned off it is a giant hassle to update all the autopays. When I call no one is ever able to answer what occurred leading to the card being turned off and I am forced to wait for a new card to arrive during this time I have no access to my account.,generalpurpose credit card or charge card trouble using your card synchrony financial DE i have a synchrony bank xxxx xxxx that has now be turned off twice this year do to fraudulent activity and i am not notified prior to it being turned off i always have plenty of credit available and use the card for autopayments so when it is turned off it is a giant hassle to update all the autopays when i call no one is ever able to answer what occurred leading to the card being turned off and i am forced to wait for a new card to arrive during this time i have no access to my account,"['fraud', 'autopay', 'account']"
242,2674369,43556,Store credit card,Advertising and marketing including promotional offers,SYNCHRONY FINANCIAL,MA,"I was offerred 0 % interest for six months with Pay Pay Credit. I read all terms and conditions and called the company to find out how the promotion worked. I was assured so long as I paid in full by six months there would be no interest. Now I am getting interest charges despite it only being two months. I called the company and they said they were considering the transactions "" cash advances '' even though I selected "" paypal credit '' when paying for the goods or services. They referred me to several sections in their terms and conditions none of which are easily determined to relate to the 0 % interest promotion. This is deceptive marketing and a deceptive promotion.",store credit card advertising and marketing including promotional offers synchrony financial MA i was offerred interest for six months with pay pay credit i read all terms and conditions and called the company to find out how the promotion worked i was assured so long as i paid in full by six months there would be no interest now i am getting interest charges despite it only being two months i called the company and they said they were considering the transactions cash advances even though i selected paypal credit when paying for the goods or services they referred me to several sections in their terms and conditions none of which are easily determined to relate to the interest promotion this is deceptive marketing and a deceptive promotion,"['PayPal', 'promotion', 'interest', 'PayPal', 'deceptive practices']"
243,2674860,43678,Credit reporting,Problem with fraud alerts or security freezes,SYNCHRONY FINANCIAL,FL,My name is XXXX XXXX and I been having a lot of Identity Theft with my Socila Security # I been more than 2 weeks trying to close accounts that I never oopen and some other cards that they been duplicate and used by another person.It 's been an nightmare it looks I can't control people using my information from me .It looks someone stole information from my mail box.,credit reporting problem with fraud alerts or security freezes synchrony financial FL my name is xxxx xxxx and i been having a lot of identity theft with my socila security i been more than weeks trying to close accounts that i never oopen and some other cards that they been duplicate and used by another personit s been an nightmare it looks i cant control people using my information from me it looks someone stole information from my mail box,"['identity theft', 'social security', 'never applied']"
244,2675257,44593,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,GA,I filed a dispute in regards to the item on my credit report it has been we'll over 30 days and I have not received any investigation results.,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial GA i filed a dispute in regards to the item on my credit report it has been well over days and i have not received any investigation results,"['dispute', 'credit report']"
245,2675993,43556,Personal line of credit,Charged fees or interest you didn't expect,SYNCHRONY FINANCIAL,MS,Previous Complaint XXXX : In response to this previous complaint Pay Pal notified me they were refunding XXXX dollars as a courtesy. But last month we mailed our payment for it to arrive in time thus avoiding a late fee. With friends I write frequently in XXXX NC I am familiar with the time frame with which the US Mail takes to traverse the distance to there from our home and back. But looking at their invoice they posted our payment one date late on XX/XX/XXXX instead of the date it arrived. And five days later they accessed this account another XXXX late fee. My sources familiar with Pay Pal stated it is not uncommon for them to hold a payment so they can access a late charge. And they make millions doing this to other patrons also. I consider this a form of fraud and request a review of their activities. This may also be considered racketeering and I am sure there are laws against such treachery.,personal line of credit charged fees or interest you didnt expect synchrony financial MS previous complaint xxxx in response to this previous complaint pay pal notified me they were refunding xxxx dollars as a courtesy but last month we mailed our payment for it to arrive in time thus avoiding a late fee with friends i write frequently in xxxx nc i am familiar with the time frame with which the us mail takes to traverse the distance to there from our home and back but looking at their invoice they posted our payment one date late on xxxxxxxx instead of the date it arrived and five days later they accessed this account another xxxx late fee my sources familiar with pay pal stated it is not uncommon for them to hold a payment so they can access a late charge and they make millions doing this to other patrons also i consider this a form of fraud and request a review of their activities this may also be considered racketeering and i am sure there are laws against such treachery,"['PayPal', 'late fee', 'social security', 'credit score']"
246,2676284,44593,General-purpose credit card or charge card,Problem when making payments,SYNCHRONY FINANCIAL,CA,"On XX/XX/XXXX I tried to access my account so I could pay off my credit card balance. I was not allowed to login to the account. The website allows "" guest login '' for the exclusive purpose of JUST PAYING the account balance. It won't allow me to do that so I am effectively blocked from paying my account which I am eager to pay so that my credit history will not be damaged. If Syncrony Bank does not want me as a customer that is perfectly fine but at least they should let me pay my outstanding balance.",generalpurpose credit card or charge card problem when making payments synchrony financial CA on xxxxxxxx i tried to access my account so i could pay off my credit card balance i was not allowed to login to the account the website allows guest login for the exclusive purpose of just paying the account balance it wont allow me to do that so i am effectively blocked from paying my account which i am eager to pay so that my credit history will not be damaged if syncrony bank does not want me as a customer that is perfectly fine but at least they should let me pay my outstanding balance,"['account', 'credit card']"
247,2676339,43709,Store credit card,Closing your account,SYNCHRONY FINANCIAL,VA,"In XX/XX/2019 I opened a new bank account with a local credit union. I then set up several Synchrony bank-serviced accounts with the ACH for the new account. In every case the first debit from my account was rejected by the bank. When I checked with my bank they said it was because the company was trying to take the money out of my auto loan account not my checking account. I then went into the accounts and set up the ACH account again and made a manual payment ( they were on autopay ). After I set up the account a second time the payment processed successfully and several payments processed thereafter. This week I received notifications from Synchrony Bank that they had closed my PayPal Mastercard and my Lowe 's card. They refused to accept proof that there was money in my checking account at the time of their rejected ACH or to consider that there might have been a problem on their end. I believe they also closed my XXXX card but I have not yet been notified of that by mail. In the case of the Lowe 's and PayPal Mastercard accounts they said they could not reopen the account and that they could only "" file a complaint. '' PayPalPlus Mastercard acct # XXXX",store credit card closing your account synchrony financial VA in xxxx i opened a new bank account with a local credit union i then set up several synchrony bankserviced accounts with the ach for the new account in every case the first debit from my account was rejected by the bank when i checked with my bank they said it was because the company was trying to take the money out of my auto loan account not my checking account i then went into the accounts and set up the ach account again and made a manual payment they were on autopay after i set up the account a second time the payment processed successfully and several payments processed thereafter this week i received notifications from synchrony bank that they had closed my paypal mastercard and my lowe s card they refused to accept proof that there was money in my checking account at the time of their rejected ach or to consider that there might have been a problem on their end i believe they also closed my xxxx card but i have not yet been notified of that by mail in the case of the lowe s and paypal mastercard accounts they said they could not reopen the account and that they could only file a complaint paypalplus mastercard acct xxxx,"['account', 'checking account', 'PayPal', 'Mastercard', 'Lowes']"
248,2679498,43525,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,FL,Received credit report and had some inquires on my account I tried contacting the credit bureaus to resolve they explained that I contact the company which I did send them letters explaining I did not give authorization to access my my information.,credit reporting improper use of your report synchrony financial FL received credit report and had some inquires on my account i tried contacting the credit bureaus to resolve they explained that i contact the company which i did send them letters explaining i did not give authorization to access my my information,"['credit report', 'account', 'credit bureaus', 'authorization']"
249,2680542,45078,Store credit card,Closing your account,SYNCHRONY FINANCIAL,MN,XX/XX/2023 I made payments to Sams Club ( Synchrony Bank ) for my credit card. However I started receiving messages about auto paying on the account. I never set up autopay and then received a letter stating that my accountis closing due to failed autopay payments. The website automatically created auto payments when I did not request it causing my account to show that my auto payments failed to an account that was no longer mines. I called the bank to request reinstatement of my account. The agent tried and then advised me to write to the general box. I have written to the company and still have not received a response but I still have been making payments to the account. 15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.,store credit card closing your account synchrony financial MN xxxx i made payments to sams club synchrony bank for my credit card however i started receiving messages about auto paying on the account i never set up autopay and then received a letter stating that my accountis closing due to failed autopay payments the website automatically created auto payments when i did not request it causing my account to show that my auto payments failed to an account that was no longer mines i called the bank to request reinstatement of my account the agent tried and then advised me to write to the general box i have written to the company and still have not received a response but i still have been making payments to the account usc section states that i have a right to privacy usc section a section also states a consumer reporting agency can not furnish an account usc b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,"['Sams Club', 'autopay', 'without consent']"
250,2680922,44986,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,IN,In accordance with the fair credit reporting act this creditors have violated my right. 15 U.S.C. 1681 Section 602 states that : I have the right to PRIVACY. 15 U.S.C. 1681 604 A Section 2 states that : Consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 1666B states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.,credit reporting improper use of your report synchrony financial IN in accordance with the fair credit reporting act this creditors have violated my right usc section states that i have the right to privacy usc a section states that consumer reporting agency can not furnish an account without my written instruction usc b states a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose,"['Fair Credit Reporting Act', 'violation', 'privacy', 'account', 'credit card']"
251,2682998,43709,I do not know,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,SC,I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.,i do not know attempts to collect debt not owed synchrony financial SC i am a victim of identity theft and this debt does not belong to me please see the identity theft report and legal affidavit attached,"['fraud', 'PayPal', 'credit report', 'authorize']"
252,2684204,45078,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,CA,The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report since I control what is listed and what is not. In the event that any accounts are reported without my written consent that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n which allows for {$1000.00} per violation for account listed without my expressed written consent.,credit reporting improper use of your report synchrony financial CA the fair credit reporting act us code says the banking system is dependent upon fair and accurate credit reporting inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system so whenever there is a violation under the fcra it impairs the efficiency of the banking system this is a violation of my privacy with my consumer report since i control what is listed and what is not in the event that any accounts are reported without my written consent that is considered identity theft this is a violation of both us code b and us code c this leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under us code n which allows for per violation for account listed without my expressed written consent,"['Fair Credit Reporting Act', 'violation', 'without consent', 'credit agencies']"
253,2684862,45078,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,PA,The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report since I control what is listed and what is not. In the event that any accounts are reported without my written consent that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n which allows for {$1000.00} per violation for account listed without my expressed written consent.,credit reporting improper use of your report synchrony financial PA the fair credit reporting act us code says xxxx the banking system is dependent upon fair and accurate credit reporting inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system so whenever there is a violation under the fcra it impairs the efficiency of the banking system this is a violation of my privacy with my consumer report since i control what is listed and what is not in the event that any accounts are reported without my written consent that is considered identity theft this is a violation of both us code b and us code c this leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under us code n which allows for per violation for account listed without my expressed written consent,"['Fair Credit Reporting Act', 'violation', 'privacy']"
254,2686895,43891,Credit card debt,Communication tactics,SYNCHRONY FINANCIAL,VA,Synchrony bank calls constantly every day. Today 's record is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX They call every weekday and most Saturdays multiple times a day.,credit card debt communication tactics synchrony financial VA synchrony bank calls constantly every day today s record is xxxx xxxx xxxx xxxx xxxx xxxx xxxx they call every weekday and most saturdays multiple times a day,"['hard inquiry', 'credit card', 'fraud', 'credit report']"
255,2688964,44044,Store credit card,Advertising and marketing including promotional offers,SYNCHRONY FINANCIAL,FL,I went to XXXX XXXX XXXX and worked with a young lady name XXXX. I chose the furniture I wanted and she told me about the promotion of 3 years to pay off with 0 % interest. I was paying my bill on time and notice I began to be charged 29.9 % interest. I had the balance paid down to {$1500.00} and it jumped to {$3000.00}. This was false advertising and it is affecting my credit I contacted the company Synchrony XXXX and they said that they closed the account because they can choose what they want to do with the account.,store credit card advertising and marketing including promotional offers synchrony financial FL i went to xxxx xxxx xxxx and worked with a young lady name xxxx i chose the furniture i wanted and she told me about the promotion of years to pay off with interest i was paying my bill on time and notice i began to be charged interest i had the balance paid down to and it jumped to this was false advertising and it is affecting my credit i contacted the company synchrony xxxx and they said that they closed the account because they can choose what they want to do with the account,"['promotion', 'interest', 'account closed']"
256,2689589,44562,Store credit card,Problem when making payments,SYNCHRONY FINANCIAL,NC,In XXXX of 2021 I filled out a paper application in a TJ Maxx store for a credit card. I was told by the store clerk this would not put a hard inquiry on my credit -- but I have a record saying on XX/XX/2021 I did have a hard inquiry. I provided my accurate email address and phone number on the application and on my TJ Maxx account. I never received further contact about the card via mail email or phone number and I assumed the application had not gone through. Today XX/XX/2021 I checked my credit score to find out I had a bill from the said rewards card owned by Synchrony Bank which I have never received contact from. The bill was over 120 days overdue and I had never received contact about it. When I attempted to pay it online I found I needed an account number which I had never received. I called customer service and found the account had been closed but I was able to pay it off using my debit card. My credit score has dropped over 100 points because of this incident and will take years to recover. I am single almost XXXX XXXX XXXX and can not rely on the credit score of a spouse when I need to use a line of credit. I'm infuriated and frankly embarrassed because I have otherwise never missed a credit payment and before this the only detriment to my credit score was that I am young and my credit is too new. I want Synchrony to take accountability for their lack of attempt to contact me and for causing my credit score to drop so dramatically for a bill that was less than {$300.00}.,store credit card problem when making payments synchrony financial NC in xxxx of i filled out a paper application in a tj maxx store for a credit card i was told by the store clerk this would not put a hard inquiry on my credit but i have a record saying on xxxx i did have a hard inquiry i provided my accurate email address and phone number on the application and on my tj maxx account i never received further contact about the card via mail email or phone number and i assumed the application had not gone through today xxxx i checked my credit score to find out i had a bill from the said rewards card owned by synchrony bank which i have never received contact from the bill was over days overdue and i had never received contact about it when i attempted to pay it online i found i needed an account number which i had never received i called customer service and found the account had been closed but i was able to pay it off using my debit card my credit score has dropped over points because of this incident and will take years to recover i am single almost xxxx xxxx xxxx and can not rely on the credit score of a spouse when i need to use a line of credit im infuriated and frankly embarrassed because i have otherwise never missed a credit payment and before this the only detriment to my credit score was that i am young and my credit is too new i want synchrony to take accountability for their lack of attempt to contact me and for causing my credit score to drop so dramatically for a bill that was less than,"['TJMaxx', 'credit card', 'hard inquiry', 'credit score', 'rewards', 'debit card', 'line of credit']"
257,2690272,44986,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,MD,In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX. Account : XXXX. Account : XXXX. Account : XXXX Account : XXXX. Account : XXXX Account : XXXX. Account : XXXX Account : XXXXXXXX XXXX Center. Account : XXXX Account : XXXX XXXX XXXX. Account : XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 A Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of conditions of crime which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.,credit reporting improper use of your report synchrony financial MD in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc account xxxx xxxx account xxxx account xxxx account xxxx account xxxx account xxxx account xxxx account xxxx account xxxxxxxx xxxx center account xxxx account xxxx xxxx xxxx account xxxx account xxxx xxxx xxxx account xxxxxxxx usc section a state i have the right to privacy usc a section a section it also states a consumer reporting agency can not furnish a account without my written instructions usc c a section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conditions of crime which antedates the report by more than seven years usc s a a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate,"['Fair Credit Reporting Account', 'violation', 'consumer rights', 'privacy', 'without consent']"
258,2691776,43831,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,GA,Saw an inquiry on my account for Syncb/Paypal that I did not make. Promptly called all reporting agencies for credit freeze. Called Synchrony Bank/Paypal Credit in XX/XX/XXXX and they confirmed it was a fraudulent inquiry and that they will have the inquiry removed. 90 days passed and the inquiry is still on credit file. I called again and was told relatively quickly that it is confirmed fraudulent and they would have the inquiry removed. It is now XX/XX/XXXX and the inquiry still remains on the account. I have applied for credit recently and got denied. This invalid reporting may have played part in that. I have called XXXX and was informed the company has to report it removed or for me to have a police report made and faxed over,credit reporting incorrect information on your report synchrony financial GA saw an inquiry on my account for syncbpaypal that i did not make promptly called all reporting agencies for credit freeze called synchrony bankpaypal credit in xxxxxxxx and they confirmed it was a fraudulent inquiry and that they will have the inquiry removed days passed and the inquiry is still on credit file i called again and was told relatively quickly that it is confirmed fraudulent and they would have the inquiry removed it is now xxxxxxxx and the inquiry still remains on the account i have applied for credit recently and got denied this invalid reporting may have played part in that i have called xxxx and was informed the company has to report it removed or for me to have a police report made and faxed over,"['hard inquiry', 'fraud', 'PayPal']"
259,2694181,45108,Store credit card,Closing your account,SYNCHRONY FINANCIAL,CA,"My account XXXX has been put on hold i submitted billing statement for my store card and then i got this email "" Thank you for your response. We have reviewed the information you provided but we were unable to verify your payment based on your response. "" I legit even gave the statement yet they want me to give again so i did give again then i got this "" Thank you for your response. We reviewed the information you provided but we were unable to verify your identity because the document provided was illegible/unclear. Your account is still temporarily on hold. "" Now they say it's illegible it was so clear not unclear so i gave id this time Guess what you gave me back "" After a review of your details we have determined it is necessary to close your Amazon.com account. Any pending orders have been canceled. '' makes 0 sense atleast give a reason Also i am not even the first person with this issue check reviews + i know people who have gave eevrything they have and you amazon keep saying nonsense about visa and XXXX XXXX not being able to be valid when you can clearly see they have a store card by their BIN number like it is clear XXXX is XXXX XXXX and XXXX is visa and XXXX IS AMAZON STORE CARD quite pathetic that i am not the first person and a company like this is broken in their team Thank you all i got ta say is fix up your team Have a great day hope it gets off hold : ) Because it didn't i complained with XXXX but amazon closed it with no reason even after giving my proof",store credit card closing your account synchrony financial CA my account xxxx has been put on hold i submitted billing statement for my store card and then i got this email thank you for your response we have reviewed the information you provided but we were unable to verify your payment based on your response i legit even gave the statement yet they want me to give again so i did give again then i got this thank you for your response we reviewed the information you provided but we were unable to verify your identity because the document provided was illegibleunclear your account is still temporarily on hold now they say its illegible it was so clear not unclear so i gave id this time guess what you gave me back after a review of your details we have determined it is necessary to close your amazoncom account any pending orders have been canceled makes sense atleast give a reason also i am not even the first person with this issue check reviews i know people who have gave eevrything they have and you amazon keep saying nonsense about visa and xxxx xxxx not being able to be valid when you can clearly see they have a store card by their bin number like it is clear xxxx is xxxx xxxx and xxxx is visa and xxxx is amazon store card quite pathetic that i am not the first person and a company like this is broken in their team thank you all i got ta say is fix up your team have a great day hope it gets off hold because it didnt i complained with xxxx but amazon closed it with no reason even after giving my proof,"['account closed', 'without consent', 'credit limit increase']"
260,2694537,44044,Store credit card,Closing your account,SYNCHRONY FINANCIAL,OH,This account was closed without my knowledge.I did not want it closed. I now have been notified that my limit on the card increased from {$1200.00} to now {$1700.00} which it was originally and is now open on my XXXX report. I have attached photos of what I see.,store credit card closing your account synchrony financial OH this account was closed without my knowledgei did not want it closed i now have been notified that my limit on the card increased from to now which it was originally and is now open on my xxxx report i have attached photos of what i see,"['account closed', 'without consent']"
261,2695753,43922,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,OH,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Attorney for the plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CASE NO XXXX XXXX PayPal Credit account opened in XXXX CLOSED XX/XX/XXXX DUE TO FRAUD Balance owed was {$0.00} on XXXX XXXX Any fraudulent charges after XX/XX/XXXX I AM NOT RESPONSIBLE! Dispute filed with XXXX on XX/XX/XXXX File Number XXXX Still under review by XXXX Many of the Paypal accounts were hacked in XXXX - security breach This is NOT my account you are trying to COLLECT. DO NOT CONTACT ME ANYMORE in writing or nasty calls to my wife number until this is being investigated REMOVE FROM MY CREDIT REPORTS! Company filed complaint with the XXXX COUNTY COURTS CASE NO XXXX XXXX BALANCE OWNED XXXX DOLLARS NOT OWED STOP HARASSING ME AND MY FAMILY ORIGINAL CREDIT REPORT WILL BE PROVIDED UPON REQUEST!,credit card debt attempts to collect debt not owed synchrony financial OH xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx va xxxx attorney for the plaintiff xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx va xxxx case no xxxx xxxx paypal credit account opened in xxxx closed xxxxxxxx due to fraud balance owed was on xxxx xxxx any fraudulent charges after xxxxxxxx i am not responsible dispute filed with xxxx on xxxxxxxx file number xxxx still under review by xxxx many of the paypal accounts were hacked in xxxx security breach this is not my account you are trying to collect do not contact me anymore in writing or nasty calls to my wife number until this is being investigated remove from my credit reports company filed complaint with the xxxx county courts case no xxxx xxxx balance owned xxxx dollars not owed stop harassing me and my family original credit report will be provided upon request,"['PayPal', 'account opened', 'balance', 'fraud', 'dispute', 'credit report', 'harass'] "
262,2696431,45108,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,TX,About XXXX my mom submitted a request to Synchrony Care Credit to give me account access to her card for medical care if I should ever need it. She said she NEVER gave them my SSN and she NEVER clicked on anything that said it was ok for them to put her charges on MY credit report but that is what happened. Her credit card of almost {$1100.00} showed up on my account! I got an alert and called them immediately but had a hard time figuring out where that charge came from. They hinted that maybe someone would have opened this account in my name and that's when I called my mom. She verified that she requested me a card but had no idea they would put her charges on my account. Then about XXXX she called and told them to remove that from my credit report because it is HER debt not mine! They said they would but they didn't.,credit reporting incorrect information on your report synchrony financial TX about xxxx my mom submitted a request to synchrony care credit to give me account access to her card for medical care if i should ever need it she said she never gave them my ssn and she never clicked on anything that said it was ok for them to put her charges on my credit report but that is what happened her credit card of almost showed up on my account i got an alert and called them immediately but had a hard time figuring out where that charge came from they hinted that maybe someone would have opened this account in my name and thats when i called my mom she verified that she requested me a card but had no idea they would put her charges on my account then about xxxx she called and told them to remove that from my credit report because it is her debt not mine they said they would but they didnt,"['Care Credit', 'medical', 'access account', 'social security', 'credit report', 'credit card', 'debt']"
263,2697851,44986,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,CA,Back in XX/XX/2019 I contacted Care Credit regarding them reporting to the credit bureau that I was late for XX/XX/2019. I was never late. I talk to a female customer representative and was told they would contact the credit bureau and report as not late. Its been years and still no change. Please help me,credit reporting incorrect information on your report synchrony financial CA back in xxxx i contacted care credit regarding them reporting to the credit bureau that i was late for xxxx i was never late i talk to a female customer representative and was told they would contact the credit bureau and report as not late its been years and still no change please help me,"['Care Credit', 'credit bureaus']"
264,2698353,43647,General-purpose credit card or charge card,Getting a credit card,SYNCHRONY FINANCIAL,OH,I have a Paypal on line account for playing games and it goes to my banking acc when I win money playing games. Last week I applied for a prepaid Paypal card it was cheaper then my XXXX XXXX acc. ( The fees to use it ). Today I recieved the prepaid card and also a letter from Synchrony Paypal saying they denied me for a credit card. I have never applied for that card. I spent 2 hours on the phone trying to get it resolved after talking to the 12th person they said it could take up to 30 days to get it removed. I haven't registered the prepaid card do to the other letter. I haven't ever tried to get a credit card from this company do to my medical bills giving me bad credit when the hospital billed me when I was low income they wrote them off and I'm still trying to get them off my report. I know I can't get a card so I don't apply for them. Please take this off my report.,generalpurpose credit card or charge card getting a credit card synchrony financial OH i have a paypal on line account for playing games and it goes to my banking acc when i win money playing games last week i applied for a prepaid paypal card it was cheaper then my xxxx xxxx acc the fees to use it today i recieved the prepaid card and also a letter from synchrony paypal saying they denied me for a credit card i have never applied for that card i spent hours on the phone trying to get it resolved after talking to the th person they said it could take up to days to get it removed i havent registered the prepaid card do to the other letter i havent ever tried to get a credit card from this company do to my medical bills giving me bad credit when the hospital billed me when i was low income they wrote them off and im still trying to get them off my report i know i cant get a card so i dont apply for them please take this off my report,"['PayPal', 'denied credit', 'credit card', 'never applied', 'medical', 'credit report']"
265,2698955,44105,Store credit card,Closing your account,SYNCHRONY FINANCIAL,GA,I had a Synchrony Amazon Store Card for a few years now. I have used the card regularly and always paid off the full balance on the card. Before and during XXXX XXXX XXXX this year ( XX/XX/XXXX ) I made multiple purchases at XXXX and charged it with the Amazon store card. The store card purchases can receive 5 % cashback on all XXXX purchases and during the XXXX XXXX promotion periods they run a promotion for 10 % -25 % cashback on some items. I made several purchases with those promotions. However the bank closed my account on XX/XX/XXXX. I contacted their agent online and was told that I have too many cards with Synchrony. However I have only one card with them - Amazon Store card. I don't understand that the definition for Synchrony of too many is 1. The agent said she/he would escalate the issue with higher management and would get back to me but no one contacts me at all. I believe that the only reason that the bank closed my account is due to that they would need to pay me the rewards for my XXXX purchases before and during XXXX XXXX XXXX XXXX promotion. The only way for them to avoid paying those rewards is to close my account. That's why their agent made up things such as I have too many accounts with them while the fact is I only had one.,store credit card closing your account synchrony financial GA i had a synchrony amazon store card for a few years now i have used the card regularly and always paid off the full balance on the card before and during xxxx xxxx xxxx this year xxxxxxxx i made multiple purchases at xxxx and charged it with the amazon store card the store card purchases can receive cashback on all xxxx purchases and during the xxxx xxxx promotion periods they run a promotion for cashback on some items i made several purchases with those promotions however the bank closed my account on xxxxxxxx i contacted their agent online and was told that i have too many cards with synchrony however i have only one card with them amazon store card i dont understand that the definition for synchrony of too many is the agent said shehe would escalate the issue with higher management and would get back to me but no one contacts me at all i believe that the only reason that the bank closed my account is due to that they would need to pay me the rewards for my xxxx purchases before and during xxxx xxxx xxxx xxxx promotion the only way for them to avoid paying those rewards is to close my account thats why their agent made up things such as i have too many accounts with them while the fact is i only had one,"['Amazon', 'credit card', 'account closed'] "
266,2699082,45108,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,IL,I have inquiries on my 3 credit reports that should be cleared due to filing bankruptcy.,credit reporting improper use of your report synchrony financial IL i have inquiries on my credit reports that should be cleared due to filing bankruptcy,"['hard inquiry', 'credit report', 'bankruptcy']"
267,2702040,43922,Store credit card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,DC,I applied for and opened a Care Credit Card account in XX/XX/2018. I never received the physical card. The card was received and used by an individual unknown to known to me. The individual presented a fake drivers license to complete the transaction. I have provided Synchrony/Care Credit with the appropriate documents for months but they refuse to investigate the claim to the fullest extent otherwise they would find that the transactions were fraudulent and could not have possibly been made by me.,store credit card problem with a purchase shown on your statement synchrony financial DC i applied for and opened a care credit card account in xxxx i never received the physical card the card was received and used by an individual unknown to known to me the individual presented a fake drivers license to complete the transaction i have provided synchronycare credit with the appropriate documents for months but they refuse to investigate the claim to the fullest extent otherwise they would find that the transactions were fraudulent and could not have possibly been made by me,"['care credit', 'fraud']"
268,2702424,45108,Store credit card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,FL,"Purchased on XX/XX/2023 Amazon XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Cost {$32.00} charged credit card {$29.00} and reward points used {$3.00}. Item Delivered XX/XX/2023 Did not deliver Whole Bean Coffee that was advertised delivered ground coffee per seller Amazon published ad error. Requested a refund and published an bad review seller responded On XX/XX/2023 "" You were refunded for the error a long time ago. '' updated Amazon and Synchrony Bank. No credit given there was a guarantee by Amazon for a refund within 48 hours. To date still No Refund or Credit to my account Amazon Credit Card by Synchrony Bank",store credit card problem with a purchase shown on your statement synchrony financial FL purchased on xxxx amazon xxxx xxxx xxxxxxxxxxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx total cost charged credit card and reward points used item delivered xxxx did not deliver whole bean coffee that was advertised delivered ground coffee per seller amazon published ad error requested a refund and published an bad review seller responded on xxxx you were refunded for the error a long time ago updated amazon and synchrony bank no credit given there was a guarantee by amazon for a refund within hours to date still no refund or credit to my account amazon credit card by synchrony bank,"['Amazon', 'credit card', 'rewards', 'Amazon']"
269,2703252,44228,General-purpose credit card or charge card,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,MA,I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.,generalpurpose credit card or charge card problem with a credit reporting companys investigation into an existing problem synchrony financial MA i see multiple days late marks which is a clear violation of my right under the fcra the company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately,"['violation', 'Fair Credit Reporting Act']"
270,2705572,43709,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,AL,XXXX is refusing to delete fraudulent inquiries from my credit report. They said that inquiries are a statement of fact but that doesn't mean that I have given them permission to view my credit so this information is incorrect and should be investigated and deleted. I have spoken with the inquirers and they have all stated they put in a request to have the inquiries deleted but XXXX has done nothing still. The inquires are Syncb/amazon Inquiry from XX/XX/2019 Syncb/walmrt Inquiry from XX/XX/2019 XX/XX/XXXX XXXX Inquiry from XX/XX/2019,credit reporting incorrect information on your report synchrony financial AL xxxx is refusing to delete fraudulent inquiries from my credit report they said that inquiries are a statement of fact but that doesnt mean that i have given them permission to view my credit so this information is incorrect and should be investigated and deleted i have spoken with the inquirers and they have all stated they put in a request to have the inquiries deleted but xxxx has done nothing still the inquires are syncbamazon inquiry from xxxx syncbwalmrt inquiry from xxxx xxxxxxxx xxxx inquiry from xxxx,"['fraud', 'credit report', 'hard inquiry', 'Amazon', 'Walmart']"
271,2706164,45108,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,SD,This is in regards to 2 disputes on the XXXX Credit card. XXXX ) I was overbilled on XX/XX/XXXX from XXXX XXXX XXXX and wrote to the credit card company on XX/XX/XXXX with a copy of the invoice showing XXXX. I was billed {$170.00}. XXXX ) on XX/XX/XXXX I ordered a photo calendar from XXXX and downloaded my pictures. I received a blank photo calendar. I will billed {$32.00}. I first contacted XXXX then wrote to my credit card company on XX/XX/XXXX. I've since talked with a representative at the credit card company who told me the disputes were still open although they have printed in their credit card agreement that they will resolve them within 60 days.,generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial SD this is in regards to disputes on the xxxx credit card xxxx i was overbilled on xxxxxxxx from xxxx xxxx xxxx and wrote to the credit card company on xxxxxxxx with a copy of the invoice showing xxxx i was billed xxxx on xxxxxxxx i ordered a photo calendar from xxxx and downloaded my pictures i received a blank photo calendar i will billed i first contacted xxxx then wrote to my credit card company on xxxxxxxx ive since talked with a representative at the credit card company who told me the disputes were still open although they have printed in their credit card agreement that they will resolve them within days,"['dispute', 'credit card']"
272,2706560,43862,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,NJ,I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.,credit card debt attempts to collect debt not owed synchrony financial NJ i am writing to dispute an account fraudulently opened in my name i am a victim of identity theft and did not open this account i am a victim of the xxxx data breach state issued id have been compromised and my social security has been compromised my postal mail was being forwarded out of state where theft of my personal information took place i am not responsible for any charges made to these mentioned accounts according to federal laws you are required to provide undeniable proof that this debt is valid,"['dispute', 'account', 'fraud', 'identity theft', 'social security', 'personal information', 'debt'] "
273,2707791,44256,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,MO,Amazon store credit card was open back in XXXX and purchase were made. Synchrony Has failed to send me any statement are correspondence regarding the account I have reached out to them to them regarding not getting any information and was advise they will resend my statement and the Amazon store card information still have not received anything now account is in collection and having adverse effect on my credit report I have made a payment to the collection agency but I feel it is unfair to have account in collection and on my credit report,credit reporting incorrect information on your report synchrony financial MO amazon store credit card was open back in xxxx and purchase were made synchrony has failed to send me any statement are correspondence regarding the account i have reached out to them to them regarding not getting any information and was advise they will resend my statement and the amazon store card information still have not received anything now account is in collection and having adverse effect on my credit report i have made a payment to the collection agency but i feel it is unfair to have account in collection and on my credit report,"['Amazon', 'credit card']"
274,2708148,45108,Store credit card,Getting a credit card,SYNCHRONY FINANCIAL,NY,I was sent an Amazon store card to which I did not apply for it. When I called I found out the bill is up to {$230.00}. I appear to be the victim of identity theft. I had personal information that this company appear to know about.,store credit card getting a credit card synchrony financial NY i was sent an amazon store card to which i did not apply for it when i called i found out the bill is up to i appear to be the victim of identity theft i had personal information that this company appear to know about,"['Amazon', 'identity theft', 'personal information']"
275,2710090,43922,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,MA,I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial MA i was shocked when i reviewed my credit report and found late payment on the dates below xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxxxxxx xxxx xxxx xxxxxxxx i am not sure how this happened i believe that i had made my payments to you when i received my statements my only thought is that my monthly statement did not get to me or the payment was not applied as fast as expected i check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report,"['credit report', 'late payment', 'checking account']"
276,2710368,44105,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,FL,In XX/XX/2020 I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.,credit reporting improper use of your report synchrony financial FL in xxxx i submitted letters to all three credit bureau s as well as submitted a complaint through consumer finance and was advised to contact the companies directly to have the inquiries removed i did not submit an inquiry to have my credit run for any auto loan and now i have several inquires posted on my credit report nor did i authorize my credit to be run,"['credit bureaus', 'credit report', 'without consent']"
277,2714962,45108,Store credit card,Closing your account,SYNCHRONY FINANCIAL,CO,On XX/XX/XXXX I received an email telling me that an additional payment I had attempted to make was returned by my bank. On the XXXX of XXXX I received an email telling me that my account had been closed. When I looked in my Amazon store card account it showed me that my automatic payment had gone through but the additional payment had been rejected. After reaching out to Synchrony the bank that controls the Amazon store cards they informed me that after the rejected additional payment they closed my account after a single email. Synchrony confirmed that the account has never been delinquent and was never behind on payment however due to two bad additional payments above my monthly payment in the last 6 months they have closed the account. Synchrony made no effort in either of their communications to inform me that ANY NSF payments for any reason could be grounds for terminating an account.,store credit card closing your account synchrony financial CO on xxxxxxxx i received an email telling me that an additional payment i had attempted to make was returned by my bank on the xxxx of xxxx i received an email telling me that my account had been closed when i looked in my amazon store card account it showed me that my automatic payment had gone through but the additional payment had been rejected after reaching out to synchrony the bank that controls the amazon store cards they informed me that after the rejected additional payment they closed my account after a single email synchrony confirmed that the account has never been delinquent and was never behind on payment however due to two bad additional payments above my monthly payment in the last months they have closed the account synchrony made no effort in either of their communications to inform me that any nsf payments for any reason could be grounds for terminating an account,"['Amazon', 'account', 'autopay', 'insufficient funds', 'delinquent']"
278,2715427,43647,General-purpose credit card or charge card,Incorrect information on your report,SYNCHRONY FINANCIAL,MA,Had life-humanitarian event XX/XX/2018 notified cc company XX/XX/2018. Have been ready to pay in full since XX/XX/2018 and have since closed account. The resolution is to change the way it is being reported on my credit report to accurately reflect true paid in full with no delinquencies. cc company is refusing to update reporting this account from charge-off to removal or paid satisfactory.,generalpurpose credit card or charge card incorrect information on your report synchrony financial MA had lifehumanitarian event xxxx notified cc company xxxx have been ready to pay in full since xxxx and have since closed account the resolution is to change the way it is being reported on my credit report to accurately reflect true paid in full with no delinquencies cc company is refusing to update reporting this account from chargeoff to removal or paid satisfactory,"['account', 'credit report', 'charge off']"
279,2718773,43647,General-purpose credit card or charge card,Other features terms or problems,SYNCHRONY FINANCIAL,CO,My Amazon Corporate Card has {$380.00} in unapplied credits that I called as required to get applied to my balance of {$690.00} and Amazon representative could not find credits in the system although they were never applied. XXXX XXXX from Amazon only showed in her system older credits of {$280.00} applied from previous statements but had no idea why they were not properly showing the {$380.00} credits in the system. Someone had manipulated the system & transferred my credits without applying to my account. I went to CEO of Synchrony Bank after going through corporate office as XXXX XXXX also did not apply over {$200.00} credits to my account properly and when I ask for date and invoice number 6 times would not provide. I suspect fraud in the corporate account section of Synchrony Bank and the way they apply credits leaves the door open for an accounts specialist to apply one persons credits to another account with no one being the wiser as it is not applied by transaction to zero out the debit by the credit. They can apply credit dollars against any transaction with any date & any dollar amount with no record required of doing so. Something is very wrong -- please see my bill attached which clearly shows credits that were never applied & now somehow disappeared.,generalpurpose credit card or charge card other features terms or problems synchrony financial CO my amazon corporate card has in unapplied credits that i called as required to get applied to my balance of and amazon representative could not find credits in the system although they were never applied xxxx xxxx from amazon only showed in her system older credits of applied from previous statements but had no idea why they were not properly showing the credits in the system someone had manipulated the system transferred my credits without applying to my account i went to ceo of synchrony bank after going through corporate office as xxxx xxxx also did not apply over credits to my account properly and when i ask for date and invoice number times would not provide i suspect fraud in the corporate account section of synchrony bank and the way they apply credits leaves the door open for an accounts specialist to apply one persons credits to another account with no one being the wiser as it is not applied by transaction to zero out the debit by the credit they can apply credit dollars against any transaction with any date any dollar amount with no record required of doing so something is very wrong please see my bill attached which clearly shows credits that were never applied now somehow disappeared,"['Amazon', 'never applied', 'account', 'fraud']"
280,2718904,43647,Store credit card,Closing your account,SYNCHRONY FINANCIAL,CA,I have had an account with Gap. I went on vacation and return 4 days late and paid the account which I thought I had five days. They reduced the limit which surprised me and I didn't question it but continue to pay the account down vying not use it again and just stop buying from Gap. Well little did I know it wasn't Gap it was Synchrony Bank causing such horrible fess about nothing. My account was always 100 % paid on time except for that one time. I continue to pay my account and finally down to zero. Today I received a noticed stating my account was being closed based upon paying and credit score. They talk about credit score what they did by closing my account which I OWNED THEM NOTHING cause my score to drop by XXXX points. I am in the middle of closing my first home and this may cause my sale not go through because of this. THIS IS WRONG!!!!! CAN THE CONSUMER FINANCIAL PROTECTION BUREAU do something!!!! THIS IS NOT RIGHT OR FAIR I did nothing wrong WHATSOEVER!!! I don't even own them any money. I get the bad end of the choice that Synchrony Bank makes and did nothing wrong. I consider seeking legal action.,store credit card closing your account synchrony financial CA i have had an account with gap i went on vacation and return days late and paid the account which i thought i had five days they reduced the limit which surprised me and i didnt question it but continue to pay the account down vying not use it again and just stop buying from gap well little did i know it wasnt gap it was synchrony bank causing such horrible fess about nothing my account was always paid on time except for that one time i continue to pay my account and finally down to zero today i received a noticed stating my account was being closed based upon paying and credit score they talk about credit score what they did by closing my account which i owned them nothing cause my score to drop by xxxx points i am in the middle of closing my first home and this may cause my sale not go through because of this this is wrong can the consumer financial protection bureau do something this is not right or fair i did nothing wrong whatsoever i dont even own them any money i get the bad end of the choice that synchrony bank makes and did nothing wrong i consider seeking legal action,"['credit limit decrease', 'credit score']"
281,2719073,43647,Store credit card,Closing your account,SYNCHRONY FINANCIAL,OH,Company closed my synchrony bank sew & more account with no notice and no explanation. Account has a {$0.00} balance on it. Only found it had been closed when Iogged onto the account to check the status on it. Company closed it in XXXX of XXXX with no notice of what they did. Seems shady and suspicious to not even notify the card holder. Stay far away from any synchrony credit cards.,store credit card closing your account synchrony financial OH company closed my synchrony bank sew more account with no notice and no explanation account has a balance on it only found it had been closed when iogged onto the account to check the status on it company closed it in xxxx of xxxx with no notice of what they did seems shady and suspicious to not even notify the card holder stay far away from any synchrony credit cards,"['account closed', 'care credit', 'without consent', 'credit card']"
282,2719462,45108,Store credit card,Other features terms or problems,SYNCHRONY FINANCIAL,VA,I currently have a Care Credit card through XXXX Bank. My issue is I have consistently made my monthly payments OVER the minimum payment amount required. EVERY month after I make a payment equal to twice the amount of the minimum payment required Synchrony LOWERS my credit limit so that it is reported to the credit bureaus the card is at 100 % and charges me interest and fees which then puts me over the credit limit and my overall credit score takes a hit every month. I am trying to pay this card off but this bank is making it extremely difficult. I don't know if this is illegal but it certainly seems to be unethical.,store credit card other features terms or problems synchrony financial VA i currently have a care credit card through xxxx bank my issue is i have consistently made my monthly payments over the minimum payment amount required every month after i make a payment equal to twice the amount of the minimum payment required synchrony lowers my credit limit so that it is reported to the credit bureaus the card is at and charges me interest and fees which then puts me over the credit limit and my overall credit score takes a hit every month i am trying to pay this card off but this bank is making it extremely difficult i dont know if this is illegal but it certainly seems to be unethical,"['care credit', 'credit limit decrease', 'interest', 'fee', 'illegal']"
283,2720709,43647,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,KS,I have a hard inquiry on my credit report made on XX/XX/2019 that I know nothing about. It is on credit karma and XXXX XXXX report. Inquiry is from SYNCB. I have notified all 3 companies and they keep telling me to contact each other. Nothing is getting done and needs removed from my credit. When I call SYNCB they tell me that it's not them and is on my report fraudulent to contact again credit bureau and XXXX XXXX.,credit reporting improper use of your report synchrony financial KS i have a hard inquiry on my credit report made on xxxx that i know nothing about it is on credit karma and xxxx xxxx report inquiry is from syncb i have notified all companies and they keep telling me to contact each other nothing is getting done and needs removed from my credit when i call syncb they tell me that its not them and is on my report fraudulent to contact again credit bureau and xxxx xxxx,"['hard inquiry', 'credit report', 'fraud', 'credit bureaus']"
284,2721187,44896,General-purpose credit card or charge card,Other features terms or problems,SYNCHRONY FINANCIAL,NM,Credit card was paid off and I requested for a pay to delete and the company still has it on my credit report as closed instead of deleted.,generalpurpose credit card or charge card other features terms or problems synchrony financial NM credit card was paid off and i requested for a pay to delete and the company still has it on my credit report as closed instead of deleted,"['credit card', 'credit report']"
285,2721216,45108,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,NY,XX/XX/XXXX JC pennyXXXX Synchrony Bank placed a hard inquiry on my credit report. I have contacted them 10 times over 12 months. Each time they told me it would be removed via fraud. I have been given case numbers # XXXX and # XXXX. I contacted them again today XX/XX/XXXX as it still appears in my credit reports. All credit reporting agencies tell me they won't remove it as when I dispute it they then contact Jc penny/Synchrony Bank and they tell them its accurate information. This has affected my credit and resulted in me paying more interest and now qualify for cheaper rates. I want a notice in writing stating it's ment to be removed. I want them to also send this notice to all credit reporting agencies with in 30 days.,credit reporting incorrect information on your report synchrony financial NY xxxxxxxx jc pennyxxxx synchrony bank placed a hard inquiry on my credit report i have contacted them times over months each time they told me it would be removed via fraud i have been given case numbers xxxx and xxxx i contacted them again today xxxxxxxx as it still appears in my credit reports all credit reporting agencies tell me they wont remove it as when i dispute it they then contact jc pennysynchrony bank and they tell them its accurate information this has affected my credit and resulted in me paying more interest and now qualify for cheaper rates i want a notice in writing stating its ment to be removed i want them to also send this notice to all credit reporting agencies with in days,"['JC Penney', 'hard inquiry', 'credit report', 'fraud', 'credit agencies', 'dispute', 'interest']"
286,2721524,43617,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,CA,Greetings Today I had an inquiry on my report that negatively affects my score from a company that I've never dealt with and have NOT authorized them to review my file. I reached out to XXXX XXXX but they said I needed to reach out to SYNCB however I have no clue who they are and have no idea how to contact them. Please help me remove this from my file. Thank you. XXXX,credit reporting improper use of your report synchrony financial CA greetings today i had an inquiry on my report that negatively affects my score from a company that ive never dealt with and have not authorized them to review my file i reached out to xxxx xxxx but they said i needed to reach out to syncb however i have no clue who they are and have no idea how to contact them please help me remove this from my file thank you xxxx,"['hard inquiry', 'credit report', 'credit score']"
287,2722111,44166,General-purpose credit card or charge card,Fees or interest,SYNCHRONY FINANCIAL,TX,My total Care Credit loan was for XXXX My promotional period was no interest for 18 months I paid more than than my monthly due to pay the loan off well my remaining balance was XXXX I recieve a bill for XXXX they charged me 26.99 % for the entire loan amount not the remaining balance!!,generalpurpose credit card or charge card fees or interest synchrony financial TX my total care credit loan was for xxxx my promotional period was no interest for months i paid more than than my monthly due to pay the loan off well my remaining balance was xxxx i recieve a bill for xxxx they charged me for the entire loan amount not the remaining balance,"['care credit', 'promotion', 'interest', 'balance']"
288,2724059,45108,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,OH,"Hard Inquiry is still appearing and in XXXX it will be listed for 3 years. I called and asked the company to remove the hard inquiry and I was disconnected. I called back and was put on hold for over XXXX minutes. Company that has not removed the hard inquiry is SYNCB/AMAZON XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX ) XXXX I had applied for an XXXX credit card on XX/XX/21. Not only was I rejected from getting "" guaranteed approval '' but it is still fraudulently on my credit report. I have been able to get XXXX other credit cards since and my credit is in XXXX standing at XXXX and XXXX from the XXXX reports via XXXX XXXX.",credit reporting incorrect information on your report synchrony financial OH hard inquiry is still appearing and in xxxx it will be listed for years i called and asked the company to remove the hard inquiry and i was disconnected i called back and was put on hold for over xxxx minutes company that has not removed the hard inquiry is syncbamazon xxxx xxxx xxxx xxxx pa xxxx xxxx xxxx xxxx i had applied for an xxxx credit card on xxxx not only was i rejected from getting guaranteed approval but it is still fraudulently on my credit report i have been able to get xxxx other credit cards since and my credit is in xxxx standing at xxxx and xxxx from the xxxx reports via xxxx xxxx,"['hard inquiry', 'Amazon', 'credit card', 'fraud', 'credit card']"
289,2724171,45108,I do not know,Written notification about debt,SYNCHRONY FINANCIAL,NJ,I received this letter on XX/XX/23 stated credit reporting notice in the amount of XXXX the original creditor is Syncrony bank and I didnt take out a loan for that amount with that bank. I called the toll free number that was provided and they told me I am a co borrower I asked for the documents and they refused. This is not my debt and I need help with getting this resolved.,i do not know written notification about debt synchrony financial NJ i received this letter on xxxx stated credit reporting notice in the amount of xxxx the original creditor is syncrony bank and i didnt take out a loan for that amount with that bank i called the toll free number that was provided and they told me i am a co borrower i asked for the documents and they refused this is not my debt and i need help with getting this resolved,"['credit report', 'debt']"
290,2725785,44044,General-purpose credit card or charge card,Fees or interest,SYNCHRONY FINANCIAL,VA,"My original bill was {$2100.00}. I've paid my bill on time every month which brought my bill down to {$900.00}. I'm now being charged a {$740.00} interest they said the promotional period ended. I spoke to a "" supervisor '' XXXX ID # XXXX who was incompetent and didn't know how to deal with this. This company is a scam and need to be investigated.",generalpurpose credit card or charge card fees or interest synchrony financial VA my original bill was ive paid my bill on time every month which brought my bill down to im now being charged a interest they said the promotional period ended i spoke to a supervisor xxxx id xxxx who was incompetent and didnt know how to deal with this this company is a scam and need to be investigated,"['interest', 'promotion', 'scam']"
291,2726726,44166,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,FL,I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.,credit reporting incorrect information on your report synchrony financial FL i received a copy of my credit report and seen unauthorized credit inquiries on my credit report those credit inquires were placed without permissible purposes,"['credit report', 'hard inquiry']"
292,2726980,44287,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,PA,i have contacted SYNCB/TJXDC and asked for validation of debt numerous times as well as challenged the reporting of this account ... each time it has come back verified ... how can this be verified if the reporting is all over the place ... btw XXXX deleted it because the could not verify this account and its time for the others to follow suit .... XXXX is reporting {$1200.00} high credit limit XXXX is reporting {$0.00} high credit limit XXXX is reporting {$0.00} credit limit XXXX is reporting {$950.00} credit limit XXXX is reporting XX/XX/XXXX as the date of last active XXXX is reporting XX/XX/XXXX as the date of last active -- -this account has been re aged look at the 2 year history ... none match and XXXX is reporting 150 day late XX/XX/XXXX and then 120 days late XX/XX/XXXX ... how is that even possible ... .these are all clear violations..i have attached a copy of the reporting,credit reporting incorrect information on your report synchrony financial PA i have contacted syncbtjxdc and asked for validation of debt numerous times as well as challenged the reporting of this account each time it has come back verified how can this be verified if the reporting is all over the place btw xxxx deleted it because the could not verify this account and its time for the others to follow suit xxxx is reporting high credit limit xxxx is reporting high credit limit xxxx is reporting credit limit xxxx is reporting credit limit xxxx is reporting xxxxxxxx as the date of last active xxxx is reporting xxxxxxxx as the date of last active this account has been re aged look at the year history none match and xxxx is reporting day late xxxxxxxx and then days late xxxxxxxx how is that even possible these are all clear violationsi have attached a copy of the reporting,"['TJMaxx', 'account', 'violation']"
293,2727020,45108,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,FL,I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below I detail the information necessary for them to process my dispute request. The inquiries in question are the following : XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore I request that they be removed from my credit report as soon as possible. I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from me,credit reporting improper use of your report synchrony financial FL i am writing to you to request the removal of inquiries on my credit report i have reviewed my credit report recently and have noticed that there are several inquiries that i do not recognize and that were not authorized by me below i detail the information necessary for them to process my dispute request the inquiries in question are the following xxxx xxxx xxxx xxxx xxxx xxxxxxxx xxxxxxxx xxxx xxxx xxxx i am not aware of these inquiries and do not believe they are legitimate therefore i request that they be removed from my credit report as soon as possible i am attaching to this letter a copy of my credit report showing the inquiries i am disputing i have also highlighted the inquiries in question in the attached copy to facilitate their identification i appreciate your attention to this matter and hope that i can resolve this dispute in my favor please let me know if you need more information or documentation from me,"['hard inquiry', 'credit report', 'without consent', 'dispute']"
294,2730722,44105,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,NY,There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from SYNCB/XXXX I cant say this more emphatically I have never had a SYNCB/XXXX account in my life and could you please remove this immediately. Also I am exercising my right under the Fair Credit Reporting Act Section 609 to request information regarding an item that is listed on my consumer credit report. As per section 609 I am entitled to see the source of the information which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP,credit card debt attempts to collect debt not owed synchrony financial NY there is a fraudulent account on my credit report that has become egregious and is not mine i do not know who used my name or how this came to be a debit of mine it is a debt from syncbxxxx i cant say this more emphatically i have never had a syncbxxxx account in my life and could you please remove this immediately also i am exercising my right under the fair credit reporting act section to request information regarding an item that is listed on my consumer credit report as per section i am entitled to see the source of the information which is the original contract that contains my signature there is no such document because this isnt my debt so please remove asap,"['fraud', 'account', 'credit report', 'debt', 'Fair Credit Reporting Act']"
295,2730908,44166,Store credit card,Getting a credit card,SYNCHRONY FINANCIAL,VA,I applied for a store card that was approved however the bank that issues the card linked me to a previous address from a card I had with them Instead of the correct address used on the application in store. They have sent my card and other documentation to that previous address. I called the 3x and went back to the store that I applied for and made my purchase through. They want me to send a 5 sec video of myself and my iD along with a current utility bill through a link they text me to my phone which I refused all 3x. They will not correct the address but said they will send a letter with a pin code to verify me to that previous address. I asked them not to send documents there I cant access the account online and they have done something in my eyes illegal by using an address I did not give them,store credit card getting a credit card synchrony financial VA i applied for a store card that was approved however the bank that issues the card linked me to a previous address from a card i had with them instead of the correct address used on the application in store they have sent my card and other documentation to that previous address i called the x and went back to the store that i applied for and made my purchase through they want me to send a sec video of myself and my id along with a current utility bill through a link they text me to my phone which i refused all x they will not correct the address but said they will send a letter with a pin code to verify me to that previous address i asked them not to send documents there i cant access the account online and they have done something in my eyes illegal by using an address i did not give them,"['credit card', 'illegal', 'account']"
296,2731472,44228,General-purpose credit card or charge card,Problem when making payments,SYNCHRONY FINANCIAL,MN,I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX Annual credit report. The error which prompted this credit report dispute includes late payments on XXXX XXXX XXXX SYNCB/JC PENNEYS. I am kindly requesting SYNCB/JC PENNEYS to remove this late payments from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.,generalpurpose credit card or charge card problem when making payments synchrony financial MN i recently obtained a copy of my credit report and found the item to be in error i want to dispute the following inaccurate information that appears on my xxxx annual credit report the error which prompted this credit report dispute includes late payments on xxxx xxxx xxxx syncbjc penneys i am kindly requesting syncbjc penneys to remove this late payments from my credit reports doing so would sincerely be appreciated and represent an invaluable gift to my family and me,"['credit report', 'inaccurate', 'late payment']"
297,2731919,44136,Store credit card,Getting a credit card,SYNCHRONY FINANCIAL,WA,"I applied for CareCredit Credit Card and was denied the credit card. I was expecting to receive the reason for the denial and was informed that i was denied for "" High risk source of application ''. This is the first time seeing this as a denial so I called Synchrony Bank and just with any situation could not provide me any information to the reason of denial. I have a few credit cards that are through Synchrony Bank. Its not that I havent been denied credit before its just that the explanation that I have always been given has always been clear. It was something that I could interpret by looking over my credit profile. This message of "" High risk source of application '' provides no information to guide the consumer to what on my credit profile that was flagged. Two days after being I applied for a home loan and was approved with no issues whatsoever. This made me wonder if Synchrony Bank was pulling the incorrect information from my credit profile. As a consumer if I apply for credit providing these companies with my personal information they should have to be be able to provide unequivocal explanation of the reason why you were denied. I am not expecting them to say the specific information on my credit profile but what part of my credit profile flagged this. Since I monitor my credit profile fairly close i know if new information is added. I know nothing has changed. I feel confused. Look on the internet and there is no specific explanation to this message they provided me. This doesnt in any way seem like a reasonable expectation.",store credit card getting a credit card synchrony financial WA i applied for carecredit credit card and was denied the credit card i was expecting to receive the reason for the denial and was informed that i was denied for high risk source of application this is the first time seeing this as a denial so i called synchrony bank and just with any situation could not provide me any information to the reason of denial i have a few credit cards that are through synchrony bank its not that i havent been denied credit before its just that the explanation that i have always been given has always been clear it was something that i could interpret by looking over my credit profile this message of high risk source of application provides no information to guide the consumer to what on my credit profile that was flagged two days after being i applied for a home loan and was approved with no issues whatsoever this made me wonder if synchrony bank was pulling the incorrect information from my credit profile as a consumer if i apply for credit providing these companies with my personal information they should have to be be able to provide unequivocal explanation of the reason why you were denied i am not expecting them to say the specific information on my credit profile but what part of my credit profile flagged this since i monitor my credit profile fairly close i know if new information is added i know nothing has changed i feel confused look on the internet and there is no specific explanation to this message they provided me this doesnt in any way seem like a reasonable expectation,"['care credit', 'credit card', 'denied', 'high risk', 'personal information']"
298,2732211,44805,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,PA,Improper uses of credit report accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy 15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purposes. Billing Error Pursuant to 12 CFR 1026.13 XXXX XXXX can not report late payments in accordance with this regulation of the Bureau 12 CFR 1026.13 ( d ) ( 3 ).,credit reporting improper use of your report synchrony financial PA improper uses of credit report accordance with the federal credit reporting act this creditor has violated my rights under usc section which states that i have the right to privacy usc section a section also states that a consumer reporting agency can not furnish an account without my written instructions under usc b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purposes billing error pursuant to cfr xxxx xxxx can not report late payments in accordance with this regulation of the bureau cfr d,"['credit report', 'Fair Credit Reporting Act', 'privacy', 'account', 'credit card']"
299,2733527,45108,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,TX,Credit Card company TJX Rewards Charge Card has sent several letters to remove any delinquency/30 day late payment reported between XX/XX/XXXX through XX/XX/XXXX. They have granted a courtesy and XXXX and XXXX will not remove as requested. These were disputed XXXX XXXX XX/XX/XXXX XXXX one in XXXX and one on XX/XX/XXXX. Some information has been changed to XXXX late payments however the wording is still showing as late payment. I am concerned that my information is being tampered with and not in my favor. Please help.,credit reporting incorrect information on your report synchrony financial TX credit card company tjx rewards charge card has sent several letters to remove any delinquency day late payment reported between xxxxxxxx through xxxxxxxx they have granted a courtesy and xxxx and xxxx will not remove as requested these were disputed xxxx xxxx xxxxxxxx xxxx one in xxxx and one on xxxxxxxx some information has been changed to xxxx late payments however the wording is still showing as late payment i am concerned that my information is being tampered with and not in my favor please help,"['credit card', 'TJMaxx', 'delinquent', 'late payment']"
300,2733629,45108,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,CA,A non authorized charge was done for the amount of {$99.00} I disputed with XXXX and it was deemed fraudulent and removed however it ended up being an occurring charge in which XXXX once again agreed it was fraudulent and closed out my account. We opened a new one and the re-occurring charge was then transferred to my new account from the closed account. Once I again I disputed it with XXXX and they agreed and remove the charges and closed out the new account. On this new account ending in XXXX charges are still being made I have called several times spoken to fraud department managers and they all say they will clear it and I am still getting charged lates fees etc. I want this matter resolved and cleared from my creadit.,generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial CA a non authorized charge was done for the amount of i disputed with xxxx and it was deemed fraudulent and removed however it ended up being an occurring charge in which xxxx once again agreed it was fraudulent and closed out my account we opened a new one and the reoccurring charge was then transferred to my new account from the closed account once i again i disputed it with xxxx and they agreed and remove the charges and closed out the new account on this new account ending in xxxx charges are still being made i have called several times spoken to fraud department managers and they all say they will clear it and i am still getting charged lates fees etc i want this matter resolved and cleared from my creadit,"['dispute', 'fraud', 'account closed', 'late fee', 'customer service']"
301,2733955,44958,Credit reporting,Credit monitoring or identity theft protection services,SYNCHRONY FINANCIAL,CA,I opened a credit card with Tjx rewards around XXXX. I paid in full on XXXX and havent looked back until now. It says I paid on XXXX XXXX 2023 but that it didnt go through. Now my credit score has decreased immensely?,credit reporting credit monitoring or identity theft protection services synchrony financial CA i opened a credit card with tjx rewards around xxxx i paid in full on xxxx and havent looked back until now it says i paid on xxxx xxxx but that it didnt go through now my credit score has decreased immensely,"['credit card', 'TJMaxx', 'credit score', 'rewards']"
302,2736573,43617,Store credit card,Closing your account,SYNCHRONY FINANCIAL,AZ,I received a preselected offer from Lowes synchrony Bank to apply for their Lowes Advantage card. I applied and was approve immediately. XX/XX/XXXX I was notified by a credit reporting agency that I had a closed card on my account. When I checked synchrony bank had closed my card. I contacted Lowes and they advised me that they rechecked my credit and found it was not satisfactory and closed my account. Not only did they approach me for their card which required a credit check. But they closed my account which was in good standing and payment was made on time? When they closed my account they again affected my credit score. I am deeply concerned that a credit card company can approve and close accounts with no reasonable explanation. I did not give them permission to do the credit check prior to closing my account. I am in the process of refinancing my home and had intended to pay all of my credit cards off because of the credit checks it has an impact on my score.,store credit card closing your account synchrony financial AZ i received a preselected offer from lowes synchrony bank to apply for their lowes advantage card i applied and was approve immediately xxxxxxxx i was notified by a credit reporting agency that i had a closed card on my account when i checked synchrony bank had closed my card i contacted lowes and they advised me that they rechecked my credit and found it was not satisfactory and closed my account not only did they approach me for their card which required a credit check but they closed my account which was in good standing and payment was made on time when they closed my account they again affected my credit score i am deeply concerned that a credit card company can approve and close accounts with no reasonable explanation i did not give them permission to do the credit check prior to closing my account i am in the process of refinancing my home and had intended to pay all of my credit cards off because of the credit checks it has an impact on my score,"['Lowes', 'credit agencies', 'account closed', 'credit score']"
303,2737494,44228,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,FL,"SYNCB/SAMS CLUB XXXX*****XXXX Date Opened XX/XX/18 Balance {$220.00} I am just concerned about the legality and reliability of your present analysis together with the delayed payments pertaining to this account and exactly how it is reporting on my credit report. Around 45 days ago I called for an examination since I felt the item seriously isn't being stated most recently. To my surprise I have been given a notice stating that your evaluation was completed and that the item had been "" established as legitimate. Below Section 1681 ( g ) I highly recommend you produce me with a detailed description of the method used to examine that this particular account is "" reliable '' and forward me the name and addresses of persons phoned per laws perfectly located at the FCRA.",credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial FL syncbsams club xxxxxxxx date opened xxxx balance i am just concerned about the legality and reliability of your present analysis together with the delayed payments pertaining to this account and exactly how it is reporting on my credit report around days ago i called for an examination since i felt the item seriously isnt being stated most recently to my surprise i have been given a notice stating that your evaluation was completed and that the item had been established as legitimate below section g i highly recommend you produce me with a detailed description of the method used to examine that this particular account is reliable and forward me the name and addresses of persons phoned per laws perfectly located at the fcra,"['Sams Club', 'account', 'credit report', 'late payment', 'Fair Credit Reporting Act']"
304,2741096,44440,Store credit card,Closing your account,SYNCHRONY FINANCIAL,FL,Hello every SINGLE account was closed. All 14 of them. No notice. No phone calls. No level of anything. My accounts are all paid correctly on time and I am have extremely low credit utilization and to be told by a customer service agent that I am a HIGH CREDIT RISK does not face muster. I will not pay another single dime until ALL my accounts are promptly reopened. I will retain legal services in the process.,store credit card closing your account synchrony financial FL hello every single account was closed all of them no notice no phone calls no level of anything my accounts are all paid correctly on time and i am have extremely low credit utilization and to be told by a customer service agent that i am a high credit risk does not face muster i will not pay another single dime until all my accounts are promptly reopened i will retain legal services in the process,"['account closed', 'without consent', 'high risk']"
305,2741141,44440,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,TX,On XX/XX/2021 SYNCB/ SAMSDC add a derogatory mark on my credit report per XXXX XXXX and XXXX XXXX XXXX. Upon further research this account was transferred/Sold and I am no longer responsible for this accused debt. Firstly Debtors creditors did not verify this debt at all secondly this account is reporting so many Inaccuracies incorrect date opens. Is reporting date opened/ closed on XXXX is totally different from date opened/ closed on XXXX this account also reporting that it is closed/sold. Not only that but the past due amount reporting is inaccurate from the monthly payments also As required by the fair billing act as a consumer I was supposed to be sent a bill in 21 days period or window and which I did not receive from sams club and this is a violation according to the fair Billing act. A bill without a signature does not validate the debt and anybody can report a bill and says it mines. According to the FCRA Law [ Sams Club ] and Credit Bureaus [ XXXX and XXXX ] has violated my rights as a consumer and I am requesting legal actions to remove this account immediately,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial TX on xxxx syncb samsdc add a derogatory mark on my credit report per xxxx xxxx and xxxx xxxx xxxx upon further research this account was transferredsold and i am no longer responsible for this accused debt firstly debtors creditors did not verify this debt at all secondly this account is reporting so many inaccuracies incorrect date opens is reporting date opened closed on xxxx is totally different from date opened closed on xxxx this account also reporting that it is closedsold not only that but the past due amount reporting is inaccurate from the monthly payments also as required by the fair billing act as a consumer i was supposed to be sent a bill in days period or window and which i did not receive from sams club and this is a violation according to the fair billing act a bill without a signature does not validate the debt and anybody can report a bill and says it mines according to the fcra law sams club and credit bureaus xxxx and xxxx has violated my rights as a consumer and i am requesting legal actions to remove this account immediately,"['Sams Club', 'credit report', 'account', 'debt',  'Fair Credit Reporting Act', 'violation', 'credit bureaus', 'consumer rights']"
306,2745576,44044,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,MO,Customer service would not help and take care of the negative inquiries reporting to my credit report. XXXX inquiry date XXXX XXXX XXXX inquiry date XXXX SYNCB/PAYPAL inquiry date XXXX,credit reporting improper use of your report synchrony financial MO customer service would not help and take care of the negative inquiries reporting to my credit report xxxx inquiry date xxxx xxxx xxxx inquiry date xxxx syncbpaypal inquiry date xxxx,"['customer servie', 'credit report', 'PayPal', 'hard inquiry']"
307,2745972,45108,Store credit card,Trouble using your card,SYNCHRONY FINANCIAL,FL,The company decreased my credit limit and caused my usage to report at XXXX percent ( if you use over XXXX percent of your limit your credit score will decrease ) My initial limit was XXXX I made purchases of XXXX and before the Bill was due I paid XXXX on XX/XX/XXXX and on XX/XX/XXXX I paid XXXX My credit limit was decreased to XXXX ( while I was in the middle of purchasing a home ) so this caused my score to drop and I can lose my down payment on a home purchase.I was not notified in a timely manner so I could take any actions to avoid the problem.I don't have any lates on my credit to cause my limit to be decreased.,store credit card trouble using your card synchrony financial FL the company decreased my credit limit and caused my usage to report at xxxx percent if you use over xxxx percent of your limit your credit score will decrease my initial limit was xxxx i made purchases of xxxx and before the bill was due i paid xxxx on xxxxxxxx and on xxxxxxxx i paid xxxx my credit limit was decreased to xxxx while i was in the middle of purchasing a home so this caused my score to drop and i can lose my down payment on a home purchasei was not notified in a timely manner so i could take any actions to avoid the problemi dont have any lates on my credit to cause my limit to be decreased,"['credit limit decrease', 'credit report', 'credit score']"
308,2747114,44075,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,CA,I paid off my Synchrony Lowes account. After this account was paid Synchrony added a couple dollars of interest. I was not made aware of a new charge and the card ended up getting late payments. Once I was made aware I immediately paid the account off again. Now Synchrony is refusing to remove the late payments despite adding interest to the account after I paid it full. I later received a notice from Synchrony stating that they have to report accurately but never acknowledged that interest was charged after the account was paid off. They are using unethical practices and are taking advantage of me and it is extremely frustrating. These late payments should not be there!,credit reporting incorrect information on your report synchrony financial CA i paid off my synchrony lowes account after this account was paid synchrony added a couple dollars of interest i was not made aware of a new charge and the card ended up getting late payments once i was made aware i immediately paid the account off again now synchrony is refusing to remove the late payments despite adding interest to the account after i paid it full i later received a notice from synchrony stating that they have to report accurately but never acknowledged that interest was charged after the account was paid off they are using unethical practices and are taking advantage of me and it is extremely frustrating these late payments should not be there,"['Lowes', 'interest', 'account', 'late payment']"
309,2747121,43739,Credit card debt,Took or threatened to take negative or legal action,SYNCHRONY FINANCIAL,MI,I have been receiving threatening phone calls about a debt ( that I don't believe I owe ) since XX/XX/XXXX fromXX/XX/XXXX. Several different people from there have called when asked they say they are representing XXXX XXXX XXXX and that I'm going to be sued for not paying a GE Capital -XXXX card. They ask about an address that I'm no longer at but never have asked for a new address to send all the legal docs but keep threatening that they are coming in the mail if I don't pay. XXXX XXXX even started calling my family members asking for my personal info telling them that I'm being sued even going as far as threatening them. They never have said that they were attempting to collect a debt. They seem to be more concerned about getting personal info. and have always been very rude. Prior to these phone calls I have NOT received anything in the mail about owing this debt. I have several of the voicemails saved as does my family members that have been receiving the phone calls.,credit card debt took or threatened to take negative or legal action synchrony financial MI i have been receiving threatening phone calls about a debt that i dont believe i owe since xxxxxxxx fromxxxxxxxx several different people from there have called when asked they say they are representing xxxx xxxx xxxx and that im going to be sued for not paying a ge capital xxxx card they ask about an address that im no longer at but never have asked for a new address to send all the legal docs but keep threatening that they are coming in the mail if i dont pay xxxx xxxx even started calling my family members asking for my personal info telling them that im being sued even going as far as threatening them they never have said that they were attempting to collect a debt they seem to be more concerned about getting personal info and have always been very rude prior to these phone calls i have not received anything in the mail about owing this debt i have several of the voicemails saved as does my family members that have been receiving the phone calls,"['threaten', 'debt']"
310,2747464,43862,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,NJ,I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.,credit reporting incorrect information on your report synchrony financial NJ i am writing to dispute an account fraudulently opened in my name i am a victim of identity theft and did not open this account i am a victim of the xxxx data breach state issued id have been compromised and my social security has been compromised my postal mail was being forwarded out of state where theft of my personal information took place i am not responsible for any charges made to these mentioned accounts according to federal laws you are required to provide undeniable proof that this debt is valid,"['dispute', 'account', 'fraud', 'identity theft', 'social security', 'personal information', 'debt'] "
311,2747510,45108,General-purpose credit card or charge card,Trouble using your card,SYNCHRONY FINANCIAL,NY,Synchrony Bank has a consistent habit of reducing credit limits or closing under active accounts knowing that these actions have a massive impact on a users credit score. Recently I made a purchase using my Dicks sporting goods store and before my payment was due they lowered my credit limit. At the same time they reported my current balance which was not due for XXXX business days. This is abuse of privilege and resulted in my credit score dropping XXXX points based on credit card usage at XXXX %. This is unfair treatment and can result in a cascading effect which could cause other card companies to reduce my credit limits based on a falling credit score. It also impacted my ability to apply for a XXXX,generalpurpose credit card or charge card trouble using your card synchrony financial NY synchrony bank has a consistent habit of reducing credit limits or closing under active accounts knowing that these actions have a massive impact on a users credit score recently i made a purchase using my dicks sporting goods store and before my payment was due they lowered my credit limit at the same time they reported my current balance which was not due for xxxx business days this is abuse of privilege and resulted in my credit score dropping xxxx points based on credit card usage at xxxx this is unfair treatment and can result in a cascading effect which could cause other card companies to reduce my credit limits based on a falling credit score it also impacted my ability to apply for a xxxx,"['credit limit decrease', 'account closed', 'credit score']"
312,2747966,45108,General-purpose credit card or charge card,Getting a credit card,SYNCHRONY FINANCIAL,GA,I discovered when I applied for credit for a new phone with XXXX that my Credit Report has been breached. Someone opened a PayPal credit card account in my name. He has my name address e-mail address phone number etc. He added an address to my Credit Report profile : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ) which is not mine a name was added to the credit report profile : XXXX a telephone number I have no knowledge of was added : ( XXXX ) and he changed my birthyear from XXXX to XXXX. I requested all the Credit Reporting Agencies delete those changes. I filed a dispute with XXXX XXXX and XXXX which were denied because he had all the correct information about me to successfully apply for the PayPal Credit Card in my name. I called PayPal 3 times and requested they close the credit card. Credit limit was {$8000.00} and the Balance on the card was {$4500.00}. There was also a closed account on my Credit Report for XXXX and XXXX that was not mine. There were multiple inquiries on my credit report for which I had no relationship or knowledge. I do not have a card number nor a mailing address for this credit card.,generalpurpose credit card or charge card getting a credit card synchrony financial GA i discovered when i applied for credit for a new phone with xxxx that my credit report has been breached someone opened a paypal credit card account in my name he has my name address email address phone number etc he added an address to my credit report profile xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx ny xxxx which is not mine a name was added to the credit report profile xxxx a telephone number i have no knowledge of was added xxxx and he changed my birthyear from xxxx to xxxx i requested all the credit reporting agencies delete those changes i filed a dispute with xxxx xxxx and xxxx which were denied because he had all the correct information about me to successfully apply for the paypal credit card in my name i called paypal times and requested they close the credit card credit limit was and the balance on the card was there was also a closed account on my credit report for xxxx and xxxx that was not mine there were multiple inquiries on my credit report for which i had no relationship or knowledge i do not have a card number nor a mailing address for this credit card,"['credit report', 'PayPal', 'credit card', 'credit agencies', 'denied', 'hard inquiry']"
313,2749769,45108,Store credit card,Fees or interest,SYNCHRONY FINANCIAL,NC,Synchrony Bank continues to offer be predatory I pay on time every month and they continue to charge me a XXXX late fee. Won't answer phone and can't rectify.,store credit card fees or interest synchrony financial NC synchrony bank continues to offer be predatory i pay on time every month and they continue to charge me a xxxx late fee wont answer phone and cant rectify,"['predatory', 'late fee']"
314,2749885,45108,Store credit card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,TN,I have a paypal credit account and I used it to purchase three eyeglass frames from XXXX. When the order was delivered I advised the company that I did not receive it nor did I sign for it. The company would not help me so I turned to my credit card company Synchrony Bank for assistance and they would not help me with the issue cause it showed a signature I still advised them that it wasnt me. I disputed several times up until last month where I provided a letter from the post office indicating that the carrier sign on my behalf because of Covid 19 protocol and left the package and they would not reinvestigate my claim,store credit card problem with a purchase shown on your statement synchrony financial TN i have a paypal credit account and i used it to purchase three eyeglass frames from xxxx when the order was delivered i advised the company that i did not receive it nor did i sign for it the company would not help me so i turned to my credit card company synchrony bank for assistance and they would not help me with the issue cause it showed a signature i still advised them that it wasnt me i disputed several times up until last month where i provided a letter from the post office indicating that the carrier sign on my behalf because of covid protocol and left the package and they would not reinvestigate my claim,"['PayPal', 'account', 'dispute', 'violation']"
315,2750178,45108,Store credit card,Other features terms or problems,SYNCHRONY FINANCIAL,OR,Synchrony bank issuer of the Care Credit program decided to lower my credit limit. The issue is that per regulation b they are required to contact me in writing prior to the change which they did not do. They never even mailed anything. They sent an email to someone and won't even tell me the email address they've been sending my personal statements and other notices to but were more than happy to confirm they're not sending them to my email or my mailing address. Another violation of regulation b.,store credit card other features terms or problems synchrony financial OR synchrony bank issuer of the care credit program decided to lower my credit limit the issue is that per regulation b they are required to contact me in writing prior to the change which they did not do they never even mailed anything they sent an email to someone and wont even tell me the email address theyve been sending my personal statements and other notices to but were more than happy to confirm theyre not sending them to my email or my mailing address another violation of regulation b,"['care credit', 'credit limit decrease']"
316,2750214,45108,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,CA,Inquiry Fraud from Synchrony- TJX to XXXX XXXX. XXXX Reference # XXXX Reference processed code # XXXXXX/XX/ & XX/XX/XXXX I XXXX XXXX XXXX XXXX ( DOB XX/XX/XXXX ) sent a letter and called Synchrony- TJX bank on XX/XX/1XXXX andXX/XX/ in regards to a fraudulent billing inquiry. I informed the company of the fraud inquiry reported on my credit history on this date to all three credit bureaus. However XXXX is requesting a copy of this report so they can remove this fraud inquiry from my account. I then followed up with Synchrony and asked them to send me proof that they did send a report to transunion on XX/XX/XXXX and they asked me to send a letter to the fraud department. I never received any evidence so I called both XXXX and Synchrony bank today XX/XX/XXXX. Both have provided no results and have done nothing to remove this inquiry.,credit reporting improper use of your report synchrony financial CA inquiry fraud from synchrony tjx to xxxx xxxx xxxx reference xxxx reference processed code xxxxxxxx xxxxxxxx i xxxx xxxx xxxx xxxx dob xxxxxxxx sent a letter and called synchrony tjx bank on xxxxxxxx andxxxx in regards to a fraudulent billing inquiry i informed the company of the fraud inquiry reported on my credit history on this date to all three credit bureaus however xxxx is requesting a copy of this report so they can remove this fraud inquiry from my account i then followed up with synchrony and asked them to send me proof that they did send a report to transunion on xxxxxxxx and they asked me to send a letter to the fraud department i never received any evidence so i called both xxxx and synchrony bank today xxxxxxxx both have provided no results and have done nothing to remove this inquiry,"['fraud', 'TJMaxx', 'credit bureaus']"
317,2752011,43739,Store credit card,Closing your account,SYNCHRONY FINANCIAL,NY,I have reached out to several representatives at Walmart to try and report fraudulent activity on my account and to close my account however everyone I spoke to said that they can not assist me because my telephone information does not match their records. My name address and social is able to be matched though. Walmart has to be able to assist it's customers that are trying to report fraud.,store credit card closing your account synchrony financial NY i have reached out to several representatives at walmart to try and report fraudulent activity on my account and to close my account however everyone i spoke to said that they can not assist me because my telephone information does not match their records my name address and social is able to be matched though walmart has to be able to assist its customers that are trying to report fraud,"['Walmart', 'fraud', 'account']"
318,2752288,45108,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,NJ,i have made various attempts in contacting lowes synchrony bank. They are reporting an account to my credit report that is not mines and i am not aware of either. i never authorize to be on such account and they have failed to remove me.,credit reporting incorrect information on your report synchrony financial NJ i have made various attempts in contacting lowes synchrony bank they are reporting an account to my credit report that is not mines and i am not aware of either i never authorize to be on such account and they have failed to remove me,"['Lowes', 'credit report', 'account', 'authorization']"
319,2755196,44774,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,FL,"On XX/XX/XXXXXXXX XXXX XXXX I settled my TJX Rewards MasterCard Account with XXXX XXXX XXXX. The Balance at the time was {$6400.00} and we settled at {$2500.00} over XXXX monthly payments of {$100.00}. We sent payments monthly for XXXX XXXX XXXX and XXXX of XXXX and then in XX/XX/2022 we received noticed that XXXX XXXX could no longer honor the settlement because they no longer had it in their office. This obviously made no sense to me because we had an arrangement in place that was taken care of and then out of no where it's no longer in place? That is incredibly unfair! I tried reaching out to XXXX XXXX but they told me they could not do anything and that it was Synchrony Bank 's decision to "" re-call '' the account.",credit card debt attempts to collect debt not owed synchrony financial FL on xxxxxxxxxxxx xxxx xxxx i settled my tjx rewards mastercard account with xxxx xxxx xxxx the balance at the time was and we settled at over xxxx monthly payments of we sent payments monthly for xxxx xxxx xxxx and xxxx of xxxx and then in xxxx we received noticed that xxxx xxxx could no longer honor the settlement because they no longer had it in their office this obviously made no sense to me because we had an arrangement in place that was taken care of and then out of no where its no longer in place that is incredibly unfair i tried reaching out to xxxx xxxx but they told me they could not do anything and that it was synchrony bank s decision to recall the account,"['TJMaxx', 'rewards', 'Mastercard', 'account']"
320,2756480,45108,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,TX,"XXXX Case : XXXX XXXX have provided sufficient evidence about this dispute for "" item not as described '' I have provided chat support screenshots showing how XXXX was not accurate about the hotel search feature. The hotel I booked with XXXX also agreed with this statement. However Paypal has denied my dispute. Again I have provided sufficient evidence to show the item was not as described.",generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial TX xxxx case xxxx xxxx have provided sufficient evidence about this dispute for item not as described i have provided chat support screenshots showing how xxxx was not accurate about the hotel search feature the hotel i booked with xxxx also agreed with this statement however paypal has denied my dispute again i have provided sufficient evidence to show the item was not as described,"['dispute', 'denied', 'PayPal']"
321,2757878,45108,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,NE,Paypal Mastercard i added my debit card to the account to make payments on the bill itself. I made a purchase which was to be from the Paypal mastercard but they charged my XXXX XXXX debit card and also billed me for it on the statement. I disputed the transaction and they denied it. I have called now 4 times and mostly have only the option to select from automated recordings. Which didnt provide any way to solve the problem. I was able to speak with customer service people twice now and the first time I was convinced they were going to help. I never heard back from them. The 2nd person told me if i have disputed it and been denied theres nothing they can do. I have the service purchased ( twice ) on XX/XX/2023 XXXX personal but do not need billed twice XXXX XXXX My paypal account is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX,generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial NE paypal mastercard i added my debit card to the account to make payments on the bill itself i made a purchase which was to be from the paypal mastercard but they charged my xxxx xxxx debit card and also billed me for it on the statement i disputed the transaction and they denied it i have called now times and mostly have only the option to select from automated recordings which didnt provide any way to solve the problem i was able to speak with customer service people twice now and the first time i was convinced they were going to help i never heard back from them the nd person told me if i have disputed it and been denied theres nothing they can do i have the service purchased twice on xxxx xxxx personal but do not need billed twice xxxx xxxx my paypal account is under xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx,"['PayPal', 'Mastercard', 'debit card', 'account', 'dispute', 'customer service']"
322,2760003,45108,General-purpose credit card or charge card,Advertising and marketing including promotional offers,SYNCHRONY FINANCIAL,LA,The issue is regarding PayPal and PayPal Mastercard offered through Synchrony bank. Paypal sent me a credit card sign up bonus offer of {$100.00} if a minimum spend of {$500.00} was made within 90 days. I applied the next day and was approved. I have spent the {$500.00} minimum requirement within 90 days but as of XX/XX/2023 neither PayPal nor Synchrony bank have credited the aforementioned {$100.00} sign up bonus despite multiple calls to customer care. PayPal credit card and sign up bonus were all linked to the email address : XXXX I have attached the email received ( XX/XX/2023 ) and also the approved credit card the next day ( XX/XX/2023 ).,generalpurpose credit card or charge card advertising and marketing including promotional offers synchrony financial LA the issue is regarding paypal and paypal mastercard offered through synchrony bank paypal sent me a credit card sign up bonus offer of if a minimum spend of was made within days i applied the next day and was approved i have spent the minimum requirement within days but as of xxxx neither paypal nor synchrony bank have credited the aforementioned sign up bonus despite multiple calls to customer care paypal credit card and sign up bonus were all linked to the email address xxxx i have attached the email received xxxx and also the approved credit card the next day xxxx,"['PayPal', 'Mastercard', 'credit card']"
323,2760647,43709,I do not know,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,SC,I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.,i do not know attempts to collect debt not owed synchrony financial SC i am a victim of identity theft and this debt does not belong to me please see the identity theft report and legal affidavit attached,"['identity theft', 'debt']"
324,2760802,45108,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,TX,I did not authorize SYNCB/ VERIZO to inquire about my credit. I did not apply for a credit card with XXXX. My credit report with XXXX XXXX and XXXX XXXX show that on XX/XX/2022 SYNCB/ VERIZO pulled my credit. I requested that the credit agencies verify this because : a ) Did not give my permission for SYNCB/ VERIZO to pull my credit. b ) I did not sign up for any type of credit service. c ) I never received any type of notice in the mail that I was accepted or rejected. My fear is that this went to a fraudulent address and not my address. d ) I confirmed with XXXX ( who subcontracts this service out ) that I did not apply for this service. XXXX informed me that there is NO application linked to my phone number. XXXX ) SYNCB/ VERIZO has not provided me with a the original contract so that I can verify if it is my signature or a fraudulent transaction.,credit reporting improper use of your report synchrony financial TX i did not authorize syncb verizo to inquire about my credit i did not apply for a credit card with xxxx my credit report with xxxx xxxx and xxxx xxxx show that on xxxx syncb verizo pulled my credit i requested that the credit agencies verify this because a did not give my permission for syncb verizo to pull my credit b i did not sign up for any type of credit service c i never received any type of notice in the mail that i was accepted or rejected my fear is that this went to a fraudulent address and not my address d i confirmed with xxxx who subcontracts this service out that i did not apply for this service xxxx informed me that there is no application linked to my phone number xxxx syncb verizo has not provided me with a the original contract so that i can verify if it is my signature or a fraudulent transaction,"['credit card', 'credit report', 'credit agencies', 'without consent', 'no notification', 'fraud']"
325,2761976,45108,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,SC,IN REVIEWING MY CREDIT REPORT I SEE THAT CARE CREDIT CLOSED AND ACCOUNT. I HAVE NEVER APPLIED FOR A CARE CREDIT ACCOUNT AND IT IS NOW SHOWINF UP ON ALL OF MY CREDIT PROFILES. I AM VICTIM OF IDENTITY THEFT IN THE PAST AND THIS ACCOUNT APPEARS TO HAVE BEEN OPENED FRAUDENTLY. I NEVER PROVIDED THEM WITH ANY OF MY PERSONAL INFORMATION HOW IS IT EVEN LEGAL TO OPEN AND ACCOUNT WITHOUT MY CONSENT OR KNOWLEDGE. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT IN FACT THEREFORE EXISTS,credit reporting incorrect information on your report synchrony financial SC in reviewing my credit report i see that care credit closed and account i have never applied for a care credit account and it is now showinf up on all of my credit profiles i am victim of identity theft in the past and this account appears to have been opened fraudently i never provided them with any of my personal information how is it even legal to open and account without my consent or knowledge i have not supplied proof under the doctrine of estoppel by silence xxxx xxxx xxxx mo xxxx xxxx xxxx xxxx i presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists,"['credit report', 'care credit', 'never applied', 'fraud', 'debt']"
326,2764735,44136,I do not know,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,LA,I've received a call from number ( XXXX ) XXXX on Friday XX/XX/2020 by a woman who did not want to name her company but told me my full name and the last four digits of my social security number. I hung up the phone and the next day XX/XX/2020 I get a credit score notification that I owe {$1900.00} by a collection agency XXXX XXXX by a synchrony bank opened XX/XX/2020. No knowledge of any of this and I do not believe this is mine.,i do not know attempts to collect debt not owed synchrony financial LA ive received a call from number xxxx xxxx on friday xxxx by a woman who did not want to name her company but told me my full name and the last four digits of my social security number i hung up the phone and the next day xxxx i get a credit score notification that i owe by a collection agency xxxx xxxx by a synchrony bank opened xxxx no knowledge of any of this and i do not believe this is mine,"['social security', 'credit score', 'debt collection agency']"
327,2768274,45108,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,NY,I am currently reviewing my XXXX Credit report and SYNCB/LOWES obtained my credit report without my written or verbal permission. I would like to have the following inquiry permanently removed from my XXXX Credit Report : SYNCB/LOWES - DATE : XX/XX/,credit reporting improper use of your report synchrony financial NY i am currently reviewing my xxxx credit report and syncblowes obtained my credit report without my written or verbal permission i would like to have the following inquiry permanently removed from my xxxx credit report syncblowes date xxxx,"['credit report', 'Lowes', 'without consent']"
328,2768993,44228,Store credit card,Advertising and marketing including promotional offers,SYNCHRONY FINANCIAL,FL,I signed up for a 12 month interest free store credit card through XXXX XXXXXXXX XXXX on XX/XX/XXXX to purchase a pair of diamond earrings. I received the earrings however I'm getting charged a very high interest rate. Payments are made through Synchrony Bank. I spent over an hour on the phone XX/XX/XXXX with both XXXX XXXX and Synchrony and neither resolved the issue. Synchrony said they'd open a ticket to notify XXXX XXXX to update my account with the interest free promotion. XX/XX/XXXX I get a call from stating that XXXX XXXX is denying that I even have an account with them and not honoring the interest rate!!! How do I not have an account when I have the card right in front of me?! I have my receipt of the earrings as well even stating my promotional interest rate!!,store credit card advertising and marketing including promotional offers synchrony financial FL i signed up for a month interest free store credit card through xxxx xxxxxxxx xxxx on xxxxxxxx to purchase a pair of diamond earrings i received the earrings however im getting charged a very high interest rate payments are made through synchrony bank i spent over an hour on the phone xxxxxxxx with both xxxx xxxx and synchrony and neither resolved the issue synchrony said theyd open a ticket to notify xxxx xxxx to update my account with the interest free promotion xxxxxxxx i get a call from stating that xxxx xxxx is denying that i even have an account with them and not honoring the interest rate how do i not have an account when i have the card right in front of me i have my receipt of the earrings as well even stating my promotional interest rate,"['interest', 'credit card', 'account', 'promotion']"
329,2769293,44044,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,NY,I have recently obtained a copy of my XXXX credit report. It showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so under section 609 physical signature. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.,credit reporting improper use of your report synchrony financial NY i have recently obtained a copy of my xxxx credit report it showed a credit inquiry by your company that i do not recall authorizing it is my understanding that you are not allowed to put an inquiry on my file unless i have given you express authorization to do so under section physical signature please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit,"['credit report', 'hard inquiry', 'without consent']"
330,2769365,45108,Store credit card,Other features terms or problems,SYNCHRONY FINANCIAL,IL,Synchrony Bank closed my always paid on time account with Amazon without warning because I had a hiccup at my bank and I was told they closed it because 2 of the payments didn't go through for a very small amount of.money and they were extra payments not payments towards the monthly bill. I tried to rectify it with a CSR and then their manager but they just gave me a curt response. They are notorious for doing this and they did it with both my Walgreens and XXXX and XXXX card in which both had XXXX balances and the full amount of available credit. I am peeved!!,store credit card other features terms or problems synchrony financial IL synchrony bank closed my always paid on time account with amazon without warning because i had a hiccup at my bank and i was told they closed it because of the payments didnt go through for a very small amount ofmoney and they were extra payments not payments towards the monthly bill i tried to rectify it with a csr and then their manager but they just gave me a curt response they are notorious for doing this and they did it with both my walgreens and xxxx and xxxx card in which both had xxxx balances and the full amount of available credit i am peeved,"['account closed', 'without consent', 'Amazon']"
331,2771703,45108,General-purpose credit card or charge card,Fees or interest,SYNCHRONY FINANCIAL,WI,"Care Credit ( Issued by Syncrony Bank ) did not inform me that when I signed up to use it that it was a promotional interest charge for a set period of time. The time had past and they hit me with a significant interest charge on a small amount. The other problem is as the "" Credit Card '' is paid down it gets reported as "" my credit limit was decreased '' which is harming my credit and now that the interest has hit I am now "" over my limit '' and being charged over limit fees. I do not understand why it is being reported as such i have never missed a payment with them always paid on time.The initial credit line should never have changed and if it was designed that way it should be a simple interest loan and also reported as such with this new interest charge I definitely should not be charged any over the limit fees or be reported as such. This blatant robery and greed. When I tried to reach out to them they were rude and did not try to help at all.",generalpurpose credit card or charge card fees or interest synchrony financial WI care credit issued by syncrony bank did not inform me that when i signed up to use it that it was a promotional interest charge for a set period of time the time had past and they hit me with a significant interest charge on a small amount the other problem is as the credit card is paid down it gets reported as my credit limit was decreased which is harming my credit and now that the interest has hit i am now over my limit and being charged over limit fees i do not understand why it is being reported as such i have never missed a payment with them always paid on timethe initial credit line should never have changed and if it was designed that way it should be a simple interest loan and also reported as such with this new interest charge i definitely should not be charged any over the limit fees or be reported as such this blatant robery and greed when i tried to reach out to them they were rude and did not try to help at all,"['Care Credit', 'promotion', 'interest', 'credit card', 'credit limit decrease', 'fee']"
332,2771933,43831,General-purpose credit card or charge card,Other features terms or problems,SYNCHRONY FINANCIAL,CA,"I have a PayPal Extras Mastercard for a few years now. Unfortunately my current charges do not appear on my online account when I log into my Paypal.com account. I have contacted their customer service twice one time by online Chat to no avail ; and also by telephone to try and resolve this issue. Both times that I have contacted their customer service representatives I am told that there is a problem with their system a glitch in the system ; however this has been happening for months now. The person that I spoke with online Chat is XXXX ; and by telephone was XXXX. I am concerned that without viewing my current activity online I can not keep track of current balance nor any fraudulent charges to my account. I try to monitor my credit card accounts to catch any fraudulent charges or identify theft issues before they become major problems. Unfortunately there are only three purchases/transactions listed online on my account under "" Activities '' and those are old purchases. Can I get assistance with them keeping current with their online accounts to post all current activities. The last purchase that I made which appeared on my most recent statement of XX/XX/2020 is for XXXX XXXX XXXX XXXX on XX/XX/2020 in the amount of {$100.00}. I am not disputing any charges on my statement ; however of all the 16 charges ; only three appeared online under "" Current Activities. '' Help please. Thank you very much. *XXXX XXXX XXXX card holder.",generalpurpose credit card or charge card other features terms or problems synchrony financial CA i have a paypal extras mastercard for a few years now unfortunately my current charges do not appear on my online account when i log into my paypalcom account i have contacted their customer service twice one time by online chat to no avail and also by telephone to try and resolve this issue both times that i have contacted their customer service representatives i am told that there is a problem with their system a glitch in the system however this has been happening for months now the person that i spoke with online chat is xxxx and by telephone was xxxx i am concerned that without viewing my current activity online i can not keep track of current balance nor any fraudulent charges to my account i try to monitor my credit card accounts to catch any fraudulent charges or identify theft issues before they become major problems unfortunately there are only three purchasestransactions listed online on my account under activities and those are old purchases can i get assistance with them keeping current with their online accounts to post all current activities the last purchase that i made which appeared on my most recent statement of xxxx is for xxxx xxxx xxxx xxxx on xxxx in the amount of i am not disputing any charges on my statement however of all the charges only three appeared online under current activities help please thank you very much xxxx xxxx xxxx card holder,"['PayPal', 'Mastercard', 'customer service', 'credit card', 'account']"
333,2773756,43556,Store credit card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,CA,on XX/XX/2019 CARE CREDIT customer service rep gave my care credit account number to the office manager ( XXXX ) at XXXX XXXX XXXX XXXX when i was unable to get that number a day before she called to obtain it. She is also the only one that can change the interest rate on this account. I beleive that i was not given an interest rate according to my credit score as it was at the time nearly 800. which should get a much lower interest rate then 16.90 %. I also have asked to have my accloun t number not listed on my monthly invoices and that has not been done either. I believe that sychrony bank care cr4edit and XXXX. XXXX XXXX dds are ingaging in preditgory lending unethical and deseptive business practics.,store credit card problem with a purchase shown on your statement synchrony financial CA on xxxx care credit customer service rep gave my care credit account number to the office manager xxxx at xxxx xxxx xxxx xxxx when i was unable to get that number a day before she called to obtain it she is also the only one that can change the interest rate on this account i beleive that i was not given an interest rate according to my credit score as it was at the time nearly which should get a much lower interest rate then i also have asked to have my accloun t number not listed on my monthly invoices and that has not been done either i believe that sychrony bank care credit and xxxx xxxx xxxx dds are ingaging in preditgory lending unethical and deseptive business practics,"['Care Credit', 'customer service', 'account', 'interest', 'credit score', 'predatory']"
334,2775222,44136,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,IL,XXXX XXXX XXXX is attempting to collect a debt from apaypal account from XXXX. The account indicates XXXX due. At the time this occured it was erroneuos charge through paypal using my credit card. The amount was used to purchase a laptop. I ws alerted from paypal at the time and was informed the charge was reversed. In approximately XXXX of XXXX I received notification of the amount going to collection. When the erroneous charge took place through paypal I had my bank account also linked to the account. I was advised to close my bank account and the paypal account. I have never heard fro paypal for 6 years until the alleged account was sold to XXXX XX/XX/XXXX I contacted them multiple of times including a notarized affidavit and the charge still shows up on my credit report.,credit reporting incorrect information on your report synchrony financial IL xxxx xxxx xxxx is attempting to collect a debt from apaypal account from xxxx the account indicates xxxx due at the time this occured it was erroneuos charge through paypal using my credit card the amount was used to purchase a laptop i ws alerted from paypal at the time and was informed the charge was reversed in approximately xxxx of xxxx i received notification of the amount going to collection when the erroneous charge took place through paypal i had my bank account also linked to the account i was advised to close my bank account and the paypal account i have never heard fro paypal for years until the alleged account was sold to xxxx xxxxxxxx i contacted them multiple of times including a notarized affidavit and the charge still shows up on my credit report,"['debt', 'PayPal', 'account', 'credit card', 'debt collection agency', 'credit report']"
335,2775732,43862,General-purpose credit card or charge card,Incorrect information on your report,SYNCHRONY FINANCIAL,CA,I payed my bill on Time by setting it up in autopay and the T.J.Maxx credit card Is claiming that the payment was rejected by the bank and is reporting a 30day late payment on my credit report And hurting my score for no reason. Please remove immediately and report accurately.,generalpurpose credit card or charge card incorrect information on your report synchrony financial CA i payed my bill on time by setting it up in autopay and the tjmaxx credit card is claiming that the payment was rejected by the bank and is reporting a day late payment on my credit report and hurting my score for no reason please remove immediately and report accurately,"['TJMaxx', 'credit card', 'late payment', 'credit score']"
336,2779837,43862,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,CO,This debt was paid XX/XX/XXXX with check # XXXX. I recently pulled my credit report and it is still showing unpaid and with a balance on my credit report. This is hurting my score and the chances of me getting my home. The rep I spoke to said they will remove this from my credit report in 30 days.,credit card debt attempts to collect debt not owed synchrony financial CO this debt was paid xxxxxxxx with check xxxx i recently pulled my credit report and it is still showing unpaid and with a balance on my credit report this is hurting my score and the chances of me getting my home the rep i spoke to said they will remove this from my credit report in days,"['debt', 'credit report']"
337,2780428,44228,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,UT,Account is showing charge off/settled for less. Account was paid in full and the company agreed to change that status through their law firm. This is for both the JC Penny account and Value City.,credit reporting incorrect information on your report synchrony financial UT account is showing charge offsettled for less account was paid in full and the company agreed to change that status through their law firm this is for both the jc penny account and value city,"['charge off', 'account', 'JC Penney']"
338,2780820,44136,Personal line of credit,Incorrect information on your report,SYNCHRONY FINANCIAL,MO,My identity has been seriously compromised by on line identity theft and it has left me with issues unknown and unauthorized by me. Prior to that my wallet was stolen and reported so this is a recurring issue. The following accounts are an aftermath of the fraud. I'm demanding that the credit reporting agencies remove and block these accounts immediately. 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX {$96.00} 3 ) XXXX XXXX XXXX XXXX two charge offs. 4 ) XXXX XXXX XXXX XXXX. 5 ) XXXX XXXX XXXX XXXX.,personal line of credit incorrect information on your report synchrony financial MO my identity has been seriously compromised by on line identity theft and it has left me with issues unknown and unauthorized by me prior to that my wallet was stolen and reported so this is a recurring issue the following accounts are an aftermath of the fraud im demanding that the credit reporting agencies remove and block these accounts immediately xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx two charge offs xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx,"['identity theft', 'account', 'fraud', 'credit agencies', 'charge off']"
339,2783063,44287,Credit reporting,Problem with fraud alerts or security freezes,SYNCHRONY FINANCIAL,IL,I check my credit score on XXXX XXXX and realized it dropped 20 points. When I went to figure out why I realized someone opened a credit card in my name and maxed it out with a balance of {$1000.00}. I called the credit card company Synchrony and filed a fraud claim and had the account closed immediately.,credit reporting problem with fraud alerts or security freezes synchrony financial IL i check my credit score on xxxx xxxx and realized it dropped points when i went to figure out why i realized someone opened a credit card in my name and maxed it out with a balance of i called the credit card company synchrony and filed a fraud claim and had the account closed immediately,"['credit score', 'credit card', 'without consent', 'fraud']"
340,2783752,44013,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,CA,"On XX/XX/2020 I received a letter from Synchrony Bank stating my account ( XXXX XXXX Visa Card ) was closed due to "" Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. Under the Equal Credit Opportunity Rights Act I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.",generalpurpose credit card or charge card closing your account synchrony financial CA on xxxx i received a letter from synchrony bank stating my account xxxx xxxx visa card was closed due to activity on account with synchrony bank indicative of high risk of failure to pay i believe this action was taken illegally as a response to the covid pandemic under the equal credit opportunity rights act i have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed,"['account closed', 'high risk', 'illegal', 'without consent']"
341,2785402,44013,Store credit card,Incorrect information on your report,SYNCHRONY FINANCIAL,TX,This account was closed last year by the bank thinking it was fraud. Then they re-opened it. However on my credit it still reports open. I have written to the bank and they have no fixed this. I have called and asked for this to be fixed and it still reflects this information. This is my care credit old card it sits dormant in dispute mode and need to be marked CLOSED XXXX. I have tried endlessly to call the bank to get the credit report entry resolved. I am told they report it and it still shows and unknown status.,store credit card incorrect information on your report synchrony financial TX this account was closed last year by the bank thinking it was fraud then they reopened it however on my credit it still reports open i have written to the bank and they have no fixed this i have called and asked for this to be fixed and it still reflects this information this is my care credit old card it sits dormant in dispute mode and need to be marked closed xxxx i have tried endlessly to call the bank to get the credit report entry resolved i am told they report it and it still shows and unknown status,"['account closed', 'fraud', 'care credit', 'dispute', 'credit report']"
342,2785707,45108,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,AZ,XXXX 'S XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I didn't make these requests for a sam 's club credit card. I called the synchrony bank and they couldn't tell me who did it and all they did was close the account. They were supposed to send me a correspondence stating this was fraud but I never received any documentation. Address XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX,credit reporting incorrect information on your report synchrony financial AZ xxxx s xxxx xxxxxxxx xxxxxxxx xxxxxxxx xxxxxxxx xxxxxxxx xxxxxxxx i didnt make these requests for a sam s club credit card i called the synchrony bank and they couldnt tell me who did it and all they did was close the account they were supposed to send me a correspondence stating this was fraud but i never received any documentation address xxxx xxxx xxxx xxxx xxxx phone number xxxx xxxx,"['Sams Club', 'credit card', 'account', 'fraud']"
343,2786616,43497,Store credit card,Fees or interest,SYNCHRONY FINANCIAL,GA,I initially complained about Synchrony Bank in early XX/XX/XXXX. See attachment letter XX/XX/XXXX. I've remained in good standing. Since the have reneged on the terms in the letter of XX/XX/XXXX and manipulated my account making it so I'd be subjecting to paying more than the XXXX month on some bogus fees from when I requested a waiver of a late fee whixh they granted as a result XXXX weekend receiving/processing issue obviously. So they been charging me fees as a result thi issue where asking for a payment of about XXXX higher than ever before. Also in retaliation they ran my credit WITHOUT MY PERMISSION and lowered my avail credit from bout XXXX to XXXX impacting my credit score cause now my balance is higher to a ratio. I am trying to pay the card off because I dont want to do business with a scandalous company and they also penalized me for this. I just want to be DONE WITH THEM HOW IS THIS KIND OF PRACTICE LEGAL! THEY SOUND XXXX OWED ARE THEY ILLEGAL ALIENS!!?? Please investigate again. I'm on ss XXXX and tired this stressful XXXX!!!! I also have an issue when I called bout thie issue on XX/XX/XXXX XXXX the rep was arguing with me like wth PLEAS PULL THE RECORDING ESA WAS OUT OR ORDER!! THIS NEEDS BE ADDRESSED ARGUING WITH CONSUMERS LIKE THAT NOT LISTENING TO THEIR COMPLAINT KEPT CUTTING ME OFF!!,store credit card fees or interest synchrony financial GA i initially complained about synchrony bank in early xxxxxxxx see attachment letter xxxxxxxx ive remained in good standing since the have reneged on the terms in the letter of xxxxxxxx and manipulated my account making it so id be subjecting to paying more than the xxxx month on some bogus fees from when i requested a waiver of a late fee whixh they granted as a result xxxx weekend receivingprocessing issue obviously so they been charging me fees as a result thi issue where asking for a payment of about xxxx higher than ever before also in retaliation they ran my credit without my permission and lowered my avail credit from bout xxxx to xxxx impacting my credit score cause now my balance is higher to a ratio i am trying to pay the card off because i dont want to do business with a scandalous company and they also penalized me for this i just want to be done with them how is this kind of practice legal they sound xxxx owed are they illegal aliens please investigate again im on ss xxxx and tired this stressful xxxx i also have an issue when i called bout thie issue on xxxxxxxx xxxx the rep was arguing with me like wth pleas pull the recording esa was out or order this needs be addressed arguing with consumers like that not listening to their complaint kept cutting me off,"['late fee', 'credit report', 'without consent', 'illegal']"
344,2787548,44166,Store credit card,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,IL,On XX/XX/2020 synchrony banks closed down all 5 accounts I have with them without notification. I received a letter from them with the reason of closing down the accounts. The reason is high risk of failure to pay with no credit agency reported as part of the decision. All accounts with synchrony were in good standing and never late paid. Care credit limit XXXX with Balance of XXXX carcare one limit of XXXX with balance of XXXX value city limit XXXX with balance of XXXX PayPal limit XXXX with balance of XXXX Amazon limit XXXX with balance of XXXX. All said account are been paid accordingly. When these accounts were closed it hurt my credit by -38 points. I tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts.,store credit card problem with a credit reporting companys investigation into an existing problem synchrony financial IL on xxxx synchrony banks closed down all accounts i have with them without notification i received a letter from them with the reason of closing down the accounts the reason is high risk of failure to pay with no credit agency reported as part of the decision all accounts with synchrony were in good standing and never late paid care credit limit xxxx with balance of xxxx carcare one limit of xxxx with balance of xxxx value city limit xxxx with balance of xxxx paypal limit xxxx with balance of xxxx amazon limit xxxx with balance of xxxx all said account are been paid accordingly when these accounts were closed it hurt my credit by points i tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts,"['account closed', 'no notification', 'high risk', 'Care Credit', 'balance', 'Amazon', 'credit score']"
345,2788118,45108,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,NC,PayPal closed my credit account with Synchrony Bank. I didn't reach the credit limit but I missed one payment on XX/XX/2023 due to a change of my checking account. I paid the missing payment of {$200.00} and the fee of {$48.00} 10 days later. I am not able to reach a PayPal representative on the phone.,generalpurpose credit card or charge card closing your account synchrony financial NC paypal closed my credit account with synchrony bank i didnt reach the credit limit but i missed one payment on xxxx due to a change of my checking account i paid the missing payment of and the fee of days later i am not able to reach a paypal representative on the phone,"['PayPal', 'account closed', 'checking account', 'fee']"
346,2788170,45108,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,MS,JCP account was charged off. Still reporting on credit report with a balance. The account and charges are not mine I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt nor therefore any such debt in fact exists.,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial MS jcp account was charged off still reporting on credit report with a balance the account and charges are not mine i have not supplied proof under the doctrine of estoppel by silence xxxx xxxx xxxx mo xxxx xxxx xxxx xxxx i xxxx presume that no proof of the alleged debt nor therefore any such debt in fact exists,"['JC Penney', 'charge off', 'credit report', 'debt']"
347,2788838,45108,Store credit card,Trouble using your card,SYNCHRONY FINANCIAL,CA,my complain is against Synchrony Bank the financial service for Sam 's Club this bank is on discriminatory behavior against minority because they used old credit scored and fake to lower the credit line and increased like they did to me and my husband and another people I no and they run the credit report with out the people knowledge like they did to me on XX/XX/2023 and used a old credit scored to lower my credit limit the old scored was XXXX on transunion and the new and current is XXXX because my credit is freeze,store credit card trouble using your card synchrony financial CA my complain is against synchrony bank the financial service for sam s club this bank is on discriminatory behavior against minority because they used old credit scored and fake to lower the credit line and increased like they did to me and my husband and another people i no and they run the credit report with out the people knowledge like they did to me on xxxx and used a old credit scored to lower my credit limit the old scored was xxxx on transunion and the new and current is xxxx because my credit is freeze,"['Sams Club', 'credit score', 'credit limit decrease', 'credit report', 'without consent', 'frozen']"
348,2790547,44774,Store credit card,Closing your account,SYNCHRONY FINANCIAL,AZ,"I am Federally Protected Consumer and I have strong reason to believe I have been discriminated against by SYNCB/CARE CREDIT. SYNCB/CARE CREDIT Acct # XXXX closed my account in XX/XX/2021 they NEVER SENT ME a Pre Adverse Notice or NEVER SENT ME a Adverse Action Notice. I have strong reason to believe they have discriminated against me under the Equal Credit Opportunity Act ( ECOA ). SYNCB/CARE CREDIT never informed me of my rights. SYNCB/CARE CREDIT has the obligation to correct action. On XX/XX/XXXX the CFPB released Circular 2022-03 to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts in writing including certified mail starting in XXXX to let SYNCB/CARE CREDIT know about the many issues under TILA & BILLING ERRORS 15 USC 1666 with this account. I have tried to explain multiple times to SYNCB/CARE CREDIT what 15 USC the term credit card means any card plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. And ALL credit transactions originate FROM ME THE CONSUMER my signature my social security number "" I EXTEND CREDIT '' SIGNED CONTRACT IS THE INSTRUMENT and it is my right to operate in commerce. Does SYNCB/CARE CREDIT know or care about what the penalties for not complying with the ECOA are ? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. Not only is SYNCB/CARE CREDIT appear to be discriminating against me by not letting me extend credit they are also using defamation there ruining my credit worthiness tarnishing my name by furnishing negative information "" late payments & charge off '' on my consumer reports which is "" false misleading representation 15 USC 1692E A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing the following conduct is a violation. Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which SYNCB/CARE CREDIT NEVER PERFORMED this 21 days in advance so why are they furnishing negative damaging information "" late payments & charge off '' defamation on my consumer report? I don't know maybe coercion extortion wanting me to be quiet while I'm being discriminated against by them? So how can SYNCB/CARE CREDIT say '' I owe '' this alleged debt and think SYNCB/CARE CREDIT has the Power & Authority to close this account when FEDERAL LAW states 18 USC 8 The term obligation '' or other security of the United States includes all bonds certificates of indebtedness national bank currency Federal Reserve notes Federal Reserve bank notes coupons United States notes Treasury notes gold certificates silver certificates fractional notes certificates of deposit bills checks or drafts for money drawn by or upon authorized officers of the United States stamps and other representatives of value of whatever denomination issued under any Act of Congress and canceled United States stamps. THE DEBT HAS ALREADY BEEN PAYED BY THE UNITED STATES that's what that Federal Law is clearly stating so SYNCB/CARE CREDIT CAN NOT use the excuse "" the consumers lack of timely payments '' as reasoning to close my account. And UNDER FTC AND GRAMM LEECH BLILEY ACT it states I have the right to privacy. I never gave my lawful legal consent authorization to SYNCB/CARE CREDIT to furnish spread for profit my NONPUBLIC PERSONAL INFORMATION to unauthorized 3rd parties. I'm just trying to make it clear that I have strong reason that under ECOA there is some discrimination occurring. And there is no Law that states a "" a drop in consumer credit score '' is valid reason to deny or cancel a consumers credit. So they legally or lawfully can not state that either. FEDERAL LAW supersedes there "" company policy '' I'm asking the CFPB to step in and enforce my Consumer Rights. And stop the DISCRMINATION AND DEFAMATION going on by SYNCB/CARE CREDIT against me and my of Consumer Rights.",store credit card closing your account synchrony financial AZ i am federally protected consumer and i have strong reason to believe i have been discriminated against by syncbcare credit syncbcare credit acct xxxx closed my account in xxxx they never sent me a pre adverse notice or never sent me a adverse action notice i have strong reason to believe they have discriminated against me under the equal credit opportunity act ecoa syncbcare credit never informed me of my rights syncbcare credit has the obligation to correct action on xxxxxxxx the cfpb released circular to reiterate creditors adverse action notice requirements under ecoa i have made multiple attempts in writing including certified mail starting in xxxx to let syncbcare credit know about the many issues under tila billing errors usc with this account i have tried to explain multiple times to syncbcare credit what usc the term credit card means any card plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit and all credit transactions originate from me the consumer my signature my social security number i extend credit signed contract is the instrument and it is my right to operate in commerce does syncbcare credit know or care about what the penalties for not complying with the ecoa are well it states lenders that violate the provisions of the ecoa face civil liability for actual and punitive damages the latter of which is limited to nongovernmental entities and can amount to up to for an individual claim or the lesser of or of the lender s net worth in a class action not only is syncbcare credit appear to be discriminating against me by not letting me extend credit they are also using defamation there ruining my credit worthiness tarnishing my name by furnishing negative information late payments charge off on my consumer reports which is false misleading representation usc e a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt without limiting the general application of the foregoing the following conduct is a violation under usc b grace period if an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge which syncbcare credit never performed this days in advance so why are they furnishing negative damaging information late payments charge off defamation on my consumer report i dont know maybe coercion extortion wanting me to be quiet while im being discriminated against by them so how can syncbcare credit say i owe this alleged debt and think syncbcare credit has the power authority to close this account when federal law states usc the term obligation or other security of the united states includes all bonds certificates of indebtedness national bank currency federal reserve notes federal reserve bank notes coupons united states notes treasury notes gold certificates silver certificates fractional notes certificates of deposit bills checks or drafts for money drawn by or upon authorized officers of the united states stamps and other representatives of value of whatever denomination issued under any act of congress and canceled united states stamps the debt has already been payed by the united states thats what that federal law is clearly stating so syncbcare credit can not use the excuse the consumers lack of timely payments as reasoning to close my account and under ftc and gramm leech bliley act it states i have the right to privacy i never gave my lawful legal consent authorization to syncbcare credit to furnish spread for profit my nonpublic personal information to unauthorized rd parties im just trying to make it clear that i have strong reason that under ecoa there is some discrimination occurring and there is no law that states a a drop in consumer credit score is valid reason to deny or cancel a consumers credit so they legally or lawfully can not state that either federal law supersedes there company policy im asking the cfpb to step in and enforce my consumer rights and stop the discrmination and defamation going on by syncbcare credit against me and my of consumer rights,"['care credit', 'account closed', 'credit card', 'discrimination', 'misleading', 'debt collection agency', 'late payment', 'charge off']"
349,2791640,45108,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,FL,In accordance with the Fair Credit Reporting Act this creditor XXXX Account XXXX has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.,credit reporting improper use of your report synchrony financial FL in accordance with the fair credit reporting act this creditor xxxx account xxxx has violated my rights under usc section states i have the right to privacy usc section a section it also states a consumer reporting agency can not furnish an account without my written instructions under usc b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,"['Fair Credit Reporting Act', 'account', 'violation', 'without consent', 'credit card', 'credit agencies']"
350,2792687,43891,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,CA,I have been going through an identity theft situation it has impacted my credited report for some time and i have been trying to get this cleared up for months. there are several inquiries appearing that i have not been apart of. im not looking for any new credit so these inquiries are not fair,credit reporting incorrect information on your report synchrony financial CA i have been going through an identity theft situation it has impacted my credited report for some time and i have been trying to get this cleared up for months there are several inquiries appearing that i have not been apart of im not looking for any new credit so these inquiries are not fair,"['identity theft', 'credit report', 'hard inquiry']"
351,2793663,45108,Store credit card,Closing your account,SYNCHRONY FINANCIAL,AL,Synchrony is using deceptive practices to manipulate and negatively impact the credit score of borrowers. They offer you credit. You use it make all payments on time and adhere to the terms of the agreement. Then they slash your limit which impacts your score. Then they close your account without warning and again your score is negatively impacted. Im never going to be able to improve my credit with companies like Synchrony bank taking advantage of consumers. Im SO MAD!!!!,store credit card closing your account synchrony financial AL synchrony is using deceptive practices to manipulate and negatively impact the credit score of borrowers they offer you credit you use it make all payments on time and adhere to the terms of the agreement then they slash your limit which impacts your score then they close your account without warning and again your score is negatively impacted im never going to be able to improve my credit with companies like synchrony bank taking advantage of consumers im so mad,"['deceptive practices', 'credit score', 'payment']"
352,2796125,45108,Store credit card,Trouble using your card,SYNCHRONY FINANCIAL,OK,I have XXXX credit cards through Synchrony bank. On each of them I have had the limit significantly decreased as I paid down the amount owed. One I never carried a balance on. After doing some searching I see this is common practice for MANY of their customers. From what I am reading this not only affects their and mine credit score but will also increase the percentage rate that can be charged because of the lower credit score. They also state that I have no verifiable mortgage. Well that is because I own my home outright. They can not base credit worthiness off of a home loan being public record or not. This is basically a credit company driving down customers scores so they can charge a higher interest rate on the lower balances. This needs to be investigated and stopped. It is basically a shake down.,store credit card trouble using your card synchrony financial OK i have xxxx credit cards through synchrony bank on each of them i have had the limit significantly decreased as i paid down the amount owed one i never carried a balance on after doing some searching i see this is common practice for many of their customers from what i am reading this not only affects their and mine credit score but will also increase the percentage rate that can be charged because of the lower credit score they also state that i have no verifiable mortgage well that is because i own my home outright they can not base credit worthiness off of a home loan being public record or not this is basically a credit company driving down customers scores so they can charge a higher interest rate on the lower balances this needs to be investigated and stopped it is basically a shake down,"['credit card', 'credit limit decrease', 'credit score']"
353,2797222,43983,Store credit card,Closing your account,SYNCHRONY FINANCIAL,NY,synchrony bank closed 28 credit card accounts on XX/XX/XXXX XXXX XX/XX/2020 All accounts were in good standing never a late payment. they told me I was a risk to there bank and so closed all accounts all on one day. My credit score went from XXXX to XXXX which is really hurting my credit.I believe they are somewhat discriminating against me.these are some of my closed account CARE CREDIT - P.C RICHARDS - XXXX- GAP- JC PENNY- ASHLEY PAYPAL- AMAZON- CITGO- LOWS- HOME DESIGN- XXXX- XXXX XXXX- XXXX- PEP BOYS- XXXX- MATTRESS FIRM- XXXX- BANANA REPUBLIC- OLD NAVY. These are just some of them. I personally think this is not fair.I am continuing to make my payments on all my accounts even that they are closed. ( INPORTANT ) After all my accounts were closed I reapplied for a lows card and a BP gas and was approved. after 3 days they closed the accounts again. that is not right,store credit card closing your account synchrony financial NY synchrony bank closed credit card accounts on xxxxxxxx xxxx xxxx all accounts were in good standing never a late payment they told me i was a risk to there bank and so closed all accounts all on one day my credit score went from xxxx to xxxx which is really hurting my crediti believe they are somewhat discriminating against methese are some of my closed account care credit pc richards xxxx gap jc penny ashley paypal amazon citgo lows home design xxxx xxxx xxxx xxxx pep boys xxxx mattress firm xxxx banana republic old navy these are just some of them i personally think this is not fairi am continuing to make my payments on all my accounts even that they are closed inportant after all my accounts were closed i reapplied for a lows card and a bp gas and was approved after days they closed the accounts again that is not right,"['credit card', 'high risk', 'account closed', 'without consent', 'credit score', 'Care Credit', 'PC Richard', 'JC Penney', 'Ashley Furniture', 'PayPal', 'Amazon', 'Mattress Firm']"
354,2798160,45108,Other personal consumer report,Identity theft protection or other monitoring services,SYNCHRONY FINANCIAL,WA,I have been wrongly been charged with a late fees of {$28.00} by Synchrony bank for a billing of the month of XXXX. Upon realizing that I contacted my bank XXXX XXXX XXXX XXXX that confirmed that payment XXXX billing was indeed processed. I copied the statement from my online banking statement to send Synchrony bank as a proof but that wasn't enough to waive the late fees. I subsequently been calling for over 5 days and was connected to customer service to whom I reported the discrepancy but nothing was done. In XXXX I noticed {$210.00} was again on my account instead of minimum payment of {$95.00} to which I protested and requested for a waiver because of the difference in adjustment I asked for so I can combine 2 billing payments on same date XXXX of every month. To avoid discrepancy I requested to talk a manager and both managers on the phone were so bullying and rude pushing blame down my throat. XXXX and XXXX ID XXXX are bad for the future of synchrony bank because looking at my records I have been up to date with my payment without problem but they refuse to understand the adjustment and failure of synchrony bank to process billing on time is the cause of this not me. My records show perfect payment. I need this bullying of consumers by banks charging late fees at will without due diligence to stop and managers held accountable. Thank you.,other personal consumer report identity theft protection or other monitoring services synchrony financial WA i have been wrongly been charged with a late fees of by synchrony bank for a billing of the month of xxxx upon realizing that i contacted my bank xxxx xxxx xxxx xxxx that confirmed that payment xxxx billing was indeed processed i copied the statement from my online banking statement to send synchrony bank as a proof but that wasnt enough to waive the late fees i subsequently been calling for over days and was connected to customer service to whom i reported the discrepancy but nothing was done in xxxx i noticed was again on my account instead of minimum payment of to which i protested and requested for a waiver because of the difference in adjustment i asked for so i can combine billing payments on same date xxxx of every month to avoid discrepancy i requested to talk a manager and both managers on the phone were so bullying and rude pushing blame down my throat xxxx and xxxx id xxxx are bad for the future of synchrony bank because looking at my records i have been up to date with my payment without problem but they refuse to understand the adjustment and failure of synchrony bank to process billing on time is the cause of this not me my records show perfect payment i need this bullying of consumers by banks charging late fees at will without due diligence to stop and managers held accountable thank you,"['late fee', 'customer service']"
355,2798572,45017,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,AZ,In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.,credit reporting improper use of your report synchrony financial AZ in accordance with the fair credit reporting act xxxx account xxxx has violated my rights usc section states i have the right to privacy usc section a section it also states a consumer reporting agency can not furnish a account without my written instructions usc b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose,"['Fair Credit Reporting Act', 'account', 'violation', 'privacy', 'credit card', 'without consent']"
356,2798785,44409,General-purpose credit card or charge card,Other features terms or problems,SYNCHRONY FINANCIAL,GA,Synchrony Bank has lowered the credit to all my accounts for no reason. I recently paid off several other accounts so Im not understanding why they consider me high risk or too many high balances when they are the ones making it higher when I owe less than half of the amount. Care credit card XXXX XXXX card. Car care card all within the last few months. I have NEVER been late on any payments with any of these accounts. It is unfair how people work and pay their bills ONTIME and some actually lump sums. I understand that were still in a pandemic but this is unfair practices and treatment of a long time customer.,generalpurpose credit card or charge card other features terms or problems synchrony financial GA synchrony bank has lowered the credit to all my accounts for no reason i recently paid off several other accounts so im not understanding why they consider me high risk or too many high balances when they are the ones making it higher when i owe less than half of the amount care credit card xxxx xxxx card car care card all within the last few months i have never been late on any payments with any of these accounts it is unfair how people work and pay their bills ontime and some actually lump sums i understand that were still in a pandemic but this is unfair practices and treatment of a long time customer,"['credit limit decrease', 'high risk', 'care credit']"
357,2798794,44409,Store credit card,Closing your account,SYNCHRONY FINANCIAL,TX,received a letter dated XX/XX/21 from synchrony bank telling me that they reviewed my account after it has been opened for over a year telling me that the decided to close my account based on the amount of inquires on my credit report not enough available credit on revolving accounts lack of first mortgage account information. this is detrimental to my credit report and I never requested this account to be closed,store credit card closing your account synchrony financial TX received a letter dated xxxx from synchrony bank telling me that they reviewed my account after it has been opened for over a year telling me that the decided to close my account based on the amount of inquires on my credit report not enough available credit on revolving accounts lack of first mortgage account information this is detrimental to my credit report and i never requested this account to be closed,"['account closed', 'hard inquiry', 'credit report', 'without consent']"
358,2800040,45108,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,TX,I reached out to Synchrony Bank regarding my Sam 's Club Credit Mastercard in XX/XX/XXXX regarding a charge in the amount of {$350.00}. I disputed the charge due to services not being rendered by the merchant. ( XXXX XXXX ). Synchrony bank provided a temporary credit for a billing cycle but added the charge back twice to my account. I was told that the dispute had been resolved in my favor but I was recharged {$350.00} on XX/XX/XXXX and again on XX/XX/XXXX. I've made several attempts to resolve this issue and have the charges removed with no.avail. Each time I've spoken to representative I'm told that it's still being researched.,generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial TX i reached out to synchrony bank regarding my sam s club credit mastercard in xxxxxxxx regarding a charge in the amount of i disputed the charge due to services not being rendered by the merchant xxxx xxxx synchrony bank provided a temporary credit for a billing cycle but added the charge back twice to my account i was told that the dispute had been resolved in my favor but i was recharged on xxxxxxxx and again on xxxxxxxx ive made several attempts to resolve this issue and have the charges removed with noavail each time ive spoken to representative im told that its still being researched,"['Sams Club', 'Mastercard', 'dispute']"
359,2800249,44136,Store credit card,Closing your account,SYNCHRONY FINANCIAL,WA,Synchrony Bank closed my XXXX credit card through XXXX as well as my Amazon card without warning and without cause. I've been paying off all of my purchases no late payments ever. Synchrony has also blocked access to my rewards balance which is around {$360.00}. They are essentially stealing this money. The net effect has been a huge hit to my credit score. By lowering scores and closing accounts they've cost my credit score 35+ points. Then they're pointing at that drop as evidence. The only changes on my credit sore are related to Synchrony Bank. I've recently paid off all my other cards and am in good standing with zero missed payments on any card. I use this XXXX card to make purchases for my company which saves 10 % in total cost. We use the Amazon card to save 5 % on household purchases. If their rationale for closure of the XXXX card is that I reported an income increase -- that's because I did have an income increase. It seems they are discriminating against me based on faulty assumptions of my income.,store credit card closing your account synchrony financial WA synchrony bank closed my xxxx credit card through xxxx as well as my amazon card without warning and without cause ive been paying off all of my purchases no late payments ever synchrony has also blocked access to my rewards balance which is around they are essentially stealing this money the net effect has been a huge hit to my credit score by lowering scores and closing accounts theyve cost my credit score points then theyre pointing at that drop as evidence the only changes on my credit sore are related to synchrony bank ive recently paid off all my other cards and am in good standing with zero missed payments on any card i use this xxxx card to make purchases for my company which saves in total cost we use the amazon card to save on household purchases if their rationale for closure of the xxxx card is that i reported an income increase thats because i did have an income increase it seems they are discriminating against me based on faulty assumptions of my income,"['credit card', 'account closed', 'Amazon', 'no notification', 'rewards', 'credit score', 'discrimination']"
360,2801667,43466,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,TN,I checked My XXXX XXXX and just noticed that there are two hard inquiries on my credit that I did not authorize in 2017. One is from XXXX XXXX in XX/XX/2017 and the other is from syncs/ Walmart XXXX Florida in XX/XX/2017.,credit reporting improper use of your report synchrony financial TN i checked my xxxx xxxx and just noticed that there are two hard inquiries on my credit that i did not authorize in one is from xxxx xxxx in xxxx and the other is from syncs walmart xxxx florida in xxxx,"['hard inquiry', 'credit report', 'without consent', 'Walmart']"
361,2802044,43709,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,OR,Syncb/Amazon has taken a hard inquiry on my credit. I am unaware of applying for any new credit cards or anything that would allow a company to check my score. I dont know what the inquiry is for.,credit reporting improper use of your report synchrony financial OR syncbamazon has taken a hard inquiry on my credit i am unaware of applying for any new credit cards or anything that would allow a company to check my score i dont know what the inquiry is for,"['Amazon', 'hard inquiry', 'credit report', 'credit score']"
362,2802571,43556,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,MA,"I have disputed a fraudulent account with XXXX and SYNCB/TJX COS several times. Each time the dispute results in the account being removed from my credit report. Soon after the account returns to my credit report further damaging my credit score. I have spoken with agents and have been told the account was "" never removed '' despite having considerable evidence that this account has been deleted each time. Since said account has been reported as fraud I am not responsible for the unauthorized charges and continue to be held responsible. This is evident in my continuously plummeting credit score. Not only is re-adding this account to my report wrong but according to the Fair Reporting Credit Act I should have been notified within three days each time this was added back onto my report and I was not notified a single time.",credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial MA i have disputed a fraudulent account with xxxx and syncbtjx cos several times each time the dispute results in the account being removed from my credit report soon after the account returns to my credit report further damaging my credit score i have spoken with agents and have been told the account was never removed despite having considerable evidence that this account has been deleted each time since said account has been reported as fraud i am not responsible for the unauthorized charges and continue to be held responsible this is evident in my continuously plummeting credit score not only is readding this account to my report wrong but according to the fair reporting credit act i should have been notified within three days each time this was added back onto my report and i was not notified a single time,"['dispute', 'fraud', 'account', 'TJMaxx', 'credit report', 'credit score', 'Fair Credit Reporting Act']"
363,2803441,43862,Store credit card,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,MA,I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.,store credit card problem with a credit reporting companys investigation into an existing problem synchrony financial MA i was shocked when i reviewed my credit report and found late payment on the dates below xxxx xxxx xxxx i am not sure how this happened i believe that i had made my payments to you when i received my statements my only thought is that my monthly statement did not get to me or the payment was not applied as fast as expected i checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report,"['credit report', 'late payment']"
364,2804111,44805,General-purpose credit card or charge card,Advertising and marketing including promotional offers,SYNCHRONY FINANCIAL,CO,Hello. Thank you for your assistance with this matter. I signed up for the Venmo Credit card which offers an introduction promo of double rewards for the first year. Over that it should go back to its regular reward program which is : 3 % cash back on the top spending category 2 % on the second category and 1 % on all other purchases ( so for the 1st year 6 % 4 % 2 % cash back respectively ). Venmo/ synchronycredit has not been upholding the contract with the rewards. Not only have I not been getting the promised double rewards but I'm not even getting there regular rewards. I have spend {$300.00} with them thus far and only gotten back {$34.00} or 1.1 % back. They do not show customers how the rewards are calculated instead they assure that all rewards will be calculated by them to make things easier on the customer. Unfortunately they calculate the rewards incorrectly. By not showing the data they are intentionally make it very difficult for the customer to check their rewards as well as obscure their shady and illegal business practices. I have called emailed and messaged them about this issue repeatedly they have verified that I should be receiving the 6 % 4 % 2 % rewards but I am not. They have said that they will fix the issue and send me my rewards balance but have taken no action. I never received a physical copy of our card agreement so I have asked for them to send me physical or emailed copy of our contract; to which they said that that was impossible. Pretty sure they are in violation of some laws by refusing to send my contract.,generalpurpose credit card or charge card advertising and marketing including promotional offers synchrony financial CO hello thank you for your assistance with this matter i signed up for the venmo credit card which offers an introduction promo of double rewards for the first year over that it should go back to its regular reward program which is cash back on the top spending category on the second category and on all other purchases so for the st year cash back respectively venmo synchronycredit has not been upholding the contract with the rewards not only have i not been getting the promised double rewards but im not even getting there regular rewards i have spend with them thus far and only gotten back or back they do not show customers how the rewards are calculated instead they assure that all rewards will be calculated by them to make things easier on the customer unfortunately they calculate the rewards incorrectly by not showing the data they are intentionally make it very difficult for the customer to check their rewards as well as obscure their shady and illegal business practices i have called emailed and messaged them about this issue repeatedly they have verified that i should be receiving the rewards but i am not they have said that they will fix the issue and send me my rewards balance but have taken no action i never received a physical copy of our card agreement so i have asked for them to send me physical or emailed copy of our contract to which they said that that was impossible pretty sure they are in violation of some laws by refusing to send my contract,"['Venmo', 'credit card', 'promotion', 'rewards', 'balance']"
365,2804984,43466,Store credit card,Other features terms or problems,SYNCHRONY FINANCIAL,NV,On XX/XX/XXXX I called Synchrony Bank to make a payment arrangement for a bill that was not overdue. I then found out that they randomly lowered my available credit amount based on a credit report they ran for me. This in turn lowered my credit score which in turn causes them to lower the credit limit on yet ANOTHER credit card i had with them and AGAIN impact my credit. They have no explanation and Id like to know how this is remotely fair as it seems like a XXXX XXXX.,store credit card other features terms or problems synchrony financial NV on xxxxxxxx i called synchrony bank to make a payment arrangement for a bill that was not overdue i then found out that they randomly lowered my available credit amount based on a credit report they ran for me this in turn lowered my credit score which in turn causes them to lower the credit limit on yet another credit card i had with them and again impact my credit they have no explanation and id like to know how this is remotely fair as it seems like a xxxx xxxx,"['credit limit decrease', 'credit report', 'credit score']"
366,2806319,43556,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,TX,XXXX credit card I settled for less than balance and paid in full on XX/XX/XXXX. The original balance was {$940.00}. They are still showing a balance. XXXX sold my account to a third party XXXX XXXX which I did pay for less than balance in XX/XX/XXXX. Not updated or noted on my report. XXXX XXXX sold one of my loans to XXXX XXXX which I settled for less than the balance in XX/XX/XXXX. XXXX XXXX will not note it. They did on my other loan.,credit reporting incorrect information on your report synchrony financial TX xxxx credit card i settled for less than balance and paid in full on xxxxxxxx the original balance was they are still showing a balance xxxx sold my account to a third party xxxx xxxx which i did pay for less than balance in xxxxxxxx not updated or noted on my report xxxx xxxx sold one of my loans to xxxx xxxx which i settled for less than the balance in xxxxxxxx xxxx xxxx will not note it they did on my other loan,"['credit card', 'balance', 'credit report']"
367,2807178,45108,Other banking product or service,Problem with a lender or other company charging your account,SYNCHRONY FINANCIAL,CA,On XX/XX/XXXX i paid through PayPal for a dress white color for my wife 's upcoming birthday. The seller was not providing the tracking number and as soon as I disputed with Paypal he provided the tracking number to show that something was sent to my address. Instead of my order dress the seller shipped me flash drives in XXXX XXXX pieces maximum price is {$10.00} to {$20.00} So i was cheated the seller wanted to let us know that i get the shipment but it is impossible to send my order - dress in XXXX inches envelope. I provided PayPal all the photos what I ordered and what I received. And because the seller provided to PayPal the tracking that I provided much earlier than the seller Paypal made a decision for seller 's favor. But I appealed their decision and PayPal advised me to report this issue to XXXX or CFPB and they will make a decision on my favor.. So I paid {$400.00} for couple of flash drives. I provided the photo of the envelope with flash drives where is clearly reflected the same tracking as the seller provided to PayPal. Attached please find pictures of what I ordered and what I received.,other banking product or service problem with a lender or other company charging your account synchrony financial CA on xxxxxxxx i paid through paypal for a dress white color for my wife s upcoming birthday the seller was not providing the tracking number and as soon as i disputed with paypal he provided the tracking number to show that something was sent to my address instead of my order dress the seller shipped me flash drives in xxxx xxxx pieces maximum price is to so i was cheated the seller wanted to let us know that i get the shipment but it is impossible to send my order dress in xxxx inches envelope i provided paypal all the photos what i ordered and what i received and because the seller provided to paypal the tracking that i provided much earlier than the seller paypal made a decision for seller s favor but i appealed their decision and paypal advised me to report this issue to xxxx or cfpb and they will make a decision on my favor so i paid for couple of flash drives i provided the photo of the envelope with flash drives where is clearly reflected the same tracking as the seller provided to paypal attached please find pictures of what i ordered and what i received,"['PayPal', 'dispute']"
368,2807305,43466,I do not know,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,NY,I have put in for disputes I recently XX/XX/XXXX Have received a call from my parents home about being served papers of a court summons dates XX/XX/XXXX Not giving me the proper timing to respond This has shown on my credit report by two different collectors I have no idea the debt their collecting And frankly feel like their fraudulently doing this ... Last year XXXX XXXX XXXX asked me to pay a large lump sum through some account I did and its still on my report after sending XXXX two years ago its still there .... So this makes me feel like this maybe something similar that their trying to pocket money for a sycophany bank I do not recall any loans from this bank,i do not know attempts to collect debt not owed synchrony financial NY i have put in for disputes i recently xxxxxxxx have received a call from my parents home about being served papers of a court summons dates xxxxxxxx not giving me the proper timing to respond this has shown on my credit report by two different collectors i have no idea the debt their collecting and frankly feel like their fraudulently doing this last year xxxx xxxx xxxx asked me to pay a large lump sum through some account i did and its still on my report after sending xxxx two years ago its still there so this makes me feel like this maybe something similar that their trying to pocket money for a sycophany bank i do not recall any loans from this bank,"['dispute', 'credit report', 'debt collection agency', 'fraud']"
369,2809284,44774,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,FL,I had a credit card with XXXX ( XXXX # XXXX ) and during Covid I was not able to make payment. The account was then charged off and then send to collection. I made a settlement with collection and paid it off almost 6 months ago. For some reason the account has never been updated. More I never gave my written authorization to XXXX to report this account on my credit report. However the account has been reported which is a violation of my right. In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX Has violated my right. 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states A consumer reporting agency can not furnish an account without my writing instruction.,credit reporting incorrect information on your report synchrony financial FL i had a credit card with xxxx xxxx xxxx and during covid i was not able to make payment the account was then charged off and then send to collection i made a settlement with collection and paid it off almost months ago for some reason the account has never been updated more i never gave my written authorization to xxxx to report this account on my credit report however the account has been reported which is a violation of my right in accordance with the fair credit report act xxxx xxxx xxxx xxxx has violated my right usc section a which states i have the right to privacy usc section a section also states a consumer reporting agency can not furnish an account without my writing instruction,"['credit card', 'charge off', 'debt collection agency', 'without consent', 'credit report', 'account', 'Fair Credit Reporting Act', 'violation']"
370,2809609,43891,Other debt,Written notification about debt,SYNCHRONY FINANCIAL,TX,"I have 3 PayPal loans. One of them ( it turns out ) is with Synchrony Bank. I've had challenges with PayPal in general ... and they all seem to have to do with my e-mail address. I've been called repeatedly about this Synchrony Bank account ... and I've explained on numerous occasions that I can not get into my account. They want me just to pay ( without seeing an invoice ) ... I'm unwilling to do this. There are so many things that have occurred that are just so scam-like. You can not reach a supervisor ( customer "" service '' personnel refuse to transfer you ). This bank has an impressive Board of Directors but so did XXXX! Honestly I believe this is a total scam. I can't get the information from them. Can't escalate this ... what is a consumer to do??? I'm happy to pay my debts ... just want access to the account on which I'm paying.",other debt written notification about debt synchrony financial TX i have paypal loans one of them it turns out is with synchrony bank ive had challenges with paypal in general and they all seem to have to do with my email address ive been called repeatedly about this synchrony bank account and ive explained on numerous occasions that i can not get into my account they want me just to pay without seeing an invoice im unwilling to do this there are so many things that have occurred that are just so scamlike you can not reach a supervisor customer service personnel refuse to transfer you this bank has an impressive board of directors but so did xxxx honestly i believe this is a total scam i cant get the information from them cant escalate this what is a consumer to do im happy to pay my debts just want access to the account on which im paying,"['PayPal', 'account', 'customer service', 'scam', 'debt']"
371,2810659,43831,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,AK,I was shopping via the Internet and was purchasing a product. I was given the option to us PayPal or use my credit card. I chose to use my credit card. I completed the process by providing the details of my credit card and home/billing address. I was later informed by credit watch services that I subscribe to that a hard credit inquiry had taken place on my file. Since I was paying by credit card there should have been no reason to pull my credit report. The credit report was pulled by XXXX XXXX XXXX XXXX/PayPal Credit on XXXX.,credit reporting improper use of your report synchrony financial AK i was shopping via the internet and was purchasing a product i was given the option to us paypal or use my credit card i chose to use my credit card i completed the process by providing the details of my credit card and homebilling address i was later informed by credit watch services that i subscribe to that a hard credit inquiry had taken place on my file since i was paying by credit card there should have been no reason to pull my credit report the credit report was pulled by xxxx xxxx xxxx xxxxpaypal credit on xxxx,"['PayPal', 'credit card', 'hard inquiry', 'credit report']"
372,2812465,44105,I do not know,Communication tactics,SYNCHRONY FINANCIAL,VA,The company XXXX XXXX XXXX XXXX says that they brought my account from Synchrony Bank in the amount of about {$1400.00} dollars they also reported it to the credit agencies which has caused my credit rating to go down for the second time for the same charges for XXXX that were not made correctly and of no use to me. XXXX XXXX refused to refund the money to the Synchrony bank credit card that I used to purchase the dentures and Synchrony refused to be fair with collecting the charges and took a one sided approach about who should repay the debt.,i do not know communication tactics synchrony financial VA the company xxxx xxxx xxxx xxxx says that they brought my account from synchrony bank in the amount of about dollars they also reported it to the credit agencies which has caused my credit rating to go down for the second time for the same charges for xxxx that were not made correctly and of no use to me xxxx xxxx refused to refund the money to the synchrony bank credit card that i used to purchase the dentures and synchrony refused to be fair with collecting the charges and took a one sided approach about who should repay the debt,"['credit agencies', 'account', 'credit card', 'debt', 'medical']"
373,2813356,43556,Credit repair services,Confusing or missing disclosures,SYNCHRONY FINANCIAL,TX,I re consolidated a few credit cards in order to reduce my monthly payment into one. After have all the accounts transferred into one account for XXXX XXXX apparently some credit card companies still reported my status incorrectly. Now I have delinquent accounts showing in my credit and it does not allow me to purchase anything on credit even though I am still making payments on all those expenses. I just want to remove the delinquent accounts under my credit.,credit repair services confusing or missing disclosures synchrony financial TX i re consolidated a few credit cards in order to reduce my monthly payment into one after have all the accounts transferred into one account for xxxx xxxx apparently some credit card companies still reported my status incorrectly now i have delinquent accounts showing in my credit and it does not allow me to purchase anything on credit even though i am still making payments on all those expenses i just want to remove the delinquent accounts under my credit,"['credit card', 'account', 'credit report', 'delinquent']"
374,2816579,45108,General-purpose credit card or charge card,Problem when making payments,SYNCHRONY FINANCIAL,AZ,I had autopay set up on my Lowe 's credit card through Synchrony Bank and it had been paying itself when I used it periodically since opening it in XXXX but since XXXX the payments have stopped going through and I wasn't notified of it until I manually checked in on the account and found that the XXXX 's app that I had been using to pay was not letting me log into my account so I tried to log in a browser on my laptop instead and found that I had to set up an account directly with Synchrony to manage my account and upon doing so I found it delinquent. I called Synchrony and they told me that they no longer process payments through the payment center in the XXXX 's app where I had been managing the account and that they don't have any control over the payment center on the XXXX 's app or whether it actually takes payments. The amount due was less than {$20.00} which I had already submitted a payment for before calling Synchrony. While on the phone with Synchrony the rep said that due to the confusion and inconvenience of the situation they would clear the charges and retroactively remove the missed payment status on my account so that my credit would not be harmed. However my score has since been updated and now reflects that the account is delinquent and 30 days late. Maybe this will be fixed in another 30 days after another statement is posted but if you have to retroactively correct your own records it needs to happen immediately.,generalpurpose credit card or charge card problem when making payments synchrony financial AZ i had autopay set up on my lowe s credit card through synchrony bank and it had been paying itself when i used it periodically since opening it in xxxx but since xxxx the payments have stopped going through and i wasnt notified of it until i manually checked in on the account and found that the xxxx s app that i had been using to pay was not letting me log into my account so i tried to log in a browser on my laptop instead and found that i had to set up an account directly with synchrony to manage my account and upon doing so i found it delinquent i called synchrony and they told me that they no longer process payments through the payment center in the xxxx s app where i had been managing the account and that they dont have any control over the payment center on the xxxx s app or whether it actually takes payments the amount due was less than which i had already submitted a payment for before calling synchrony while on the phone with synchrony the rep said that due to the confusion and inconvenience of the situation they would clear the charges and retroactively remove the missed payment status on my account so that my credit would not be harmed however my score has since been updated and now reflects that the account is delinquent and days late maybe this will be fixed in another days after another statement is posted but if you have to retroactively correct your own records it needs to happen immediately,"['autopay', 'Lowes', 'credit card', 'account', 'credit score', 'delinquent']"
375,2818099,43709,Store credit card,Problem when making payments,SYNCHRONY FINANCIAL,MA,I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019-30 days late? I am not sure how this happened I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.,store credit card problem when making payments synchrony financial MA i was shocked when i reviewed my credit report and found late payment on the dates below xxxx days late i am not sure how this happened i believe that i had made my payments to you when i received my statements my only thought is that my monthly statement did not get to me,"['credit report', 'late payment']"
376,2818706,44044,Mobile or digital wallet,Unauthorized transactions or other transaction problem,SYNCHRONY FINANCIAL,GA,"Synchrony Bank charged my credit card account ( issued through PayPal as PayPal Credit ) for a "" provisional credit '' that they NEVER issued. I tried to file a dispute with them but that was not resolved even though I provided all needed documentation to prove that Synchrony Bank did not issue me a provisional credit. So they charged my account without authorization. So now I am obligated to pay off the balance that I did not even occur to begin with.",mobile or digital wallet unauthorized transactions or other transaction problem synchrony financial GA synchrony bank charged my credit card account issued through paypal as paypal credit for a provisional credit that they never issued i tried to file a dispute with them but that was not resolved even though i provided all needed documentation to prove that synchrony bank did not issue me a provisional credit so they charged my account without authorization so now i am obligated to pay off the balance that i did not even occur to begin with,"['credit card', 'account', 'PayPal', 'dispute', 'without consent', 'balance']"
377,2819307,43709,Store credit card,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,MA,I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate unverifiable information. There are a lot of missing information to sustain this claim. Also the remarks are all OK and it does not show a single CO from any of the reporting bureaus. Delete this incorrect report.,store credit card problem with a credit reporting companys investigation into an existing problem synchrony financial MA i was shocked when i reviewed my credit report and i still found multiple inaccuracies on my credit report from the major credit bureaus ive attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate unverifiable information there are a lot of missing information to sustain this claim also the remarks are all ok and it does not show a single co from any of the reporting bureaus delete this incorrect report,"['credit report', 'inaccurate', 'credit bureaus']"
378,2820966,45108,General-purpose credit card or charge card,Other features terms or problems,SYNCHRONY FINANCIAL,IL,Synchrony closed my account without any warning. Account was up to date was never late always paid early. Closing my account is negatively affecting my credit score when all I have been is a positive customer.,generalpurpose credit card or charge card other features terms or problems synchrony financial IL synchrony closed my account without any warning account was up to date was never late always paid early closing my account is negatively affecting my credit score when all i have been is a positive customer,"['account closed', 'no notification', 'credit score']"
379,2821826,45108,Credit card debt,Written notification about debt,SYNCHRONY FINANCIAL,TX,XXXX XXXX XXXX has posted an account on my credit report. XXXX XXXX associates is a debt purchaser. However XXXX XXXX services never notified me of my right to dispute the debt that they purchased from Synchrony bank. In addition they claim that the Date of first delinquency was XXXX XXXX THe original date of deliquency was XXXX XXXX with no payments or promises to pay being made after that,credit card debt written notification about debt synchrony financial TX xxxx xxxx xxxx has posted an account on my credit report xxxx xxxx associates is a debt purchaser however xxxx xxxx services never notified me of my right to dispute the debt that they purchased from synchrony bank in addition they claim that the date of first delinquency was xxxx xxxx the original date of deliquency was xxxx xxxx with no payments or promises to pay being made after that,"['credit report', 'debt', 'account', 'dispute', 'delinquent']"
380,2824911,45108,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,TX,I have reached out to the creditors for the removal of these fraudulent inquiries on my report and haven't had anything but empty promises to remove. I have also sent a previous FTC report over to XXXX and they suggested to do an updated report to include these inquiries specifically. So I would like to report and remove all inquiries dated XX/XX/2021 ( XXXX ) to XXXX XXXX XXXX ( XXXX XXXX ).,credit reporting incorrect information on your report synchrony financial TX i have reached out to the creditors for the removal of these fraudulent inquiries on my report and havent had anything but empty promises to remove i have also sent a previous ftc report over to xxxx and they suggested to do an updated report to include these inquiries specifically so i would like to report and remove all inquiries dated xxxx xxxx to xxxx xxxx xxxx xxxx xxxx,"['fraud', 'credit report', 'hard inquiry']"
381,2825636,43983,Medical debt,Written notification about debt,SYNCHRONY FINANCIAL,LA,I was not aware that this debt was owed. I haven't received any notification and it's sitting on my credit report. It's for {$960.00} dollars,medical debt written notification about debt synchrony financial LA i was not aware that this debt was owed i havent received any notification and its sitting on my credit report its for dollars,"['debt', 'no notification', 'credit report']"
382,2825995,44378,Credit card debt,Took or threatened to take negative or legal action,SYNCHRONY FINANCIAL,MA,For XXXX and XXXX years I have tried to settle a debt with XXXX as I am XXXX and had no income at all. XXXX XXXX XXXX has called me daily as well as harassed my mother in law with XXXX in Florida telling her to pay them my XXXX daughter in XXXX my husband my sister in law in Washington state and my husband. By texting calling and leaving them voicemails. They have now been sending letters. I have asked them to please stop and they have become more threatening. Doxing my personal information to people. My age name addresses and phone numbers as well as debt information. I am fearful and afraid daily.,credit card debt took or threatened to take negative or legal action synchrony financial MA for xxxx and xxxx years i have tried to settle a debt with xxxx as i am xxxx and had no income at all xxxx xxxx xxxx has called me daily as well as harassed my mother in law with xxxx in florida telling her to pay them my xxxx daughter in xxxx my husband my sister in law in washington state and my husband by texting calling and leaving them voicemails they have now been sending letters i have asked them to please stop and they have become more threatening doxing my personal information to people my age name addresses and phone numbers as well as debt information i am fearful and afraid daily,"['debt', 'harass', 'threaten']"
383,2828405,45108,General-purpose credit card or charge card,Getting a credit card,SYNCHRONY FINANCIAL,MA,I am a victim of Identity Theft. I have called Synchrony Bank/ PayPal Credit multiple times after I received a summons to appear at small claims court on XX/XX/2023 for a debt in the amount of {$2700.00} as well as a court filing fee of {$120.00}. I have repeatedly told them I never opened an account with them and that this is all fraud but each time I was ignored and even treated with hostility at times. Most told me that there is nothing they can do and I will just have to pay a debt I do not owe.,generalpurpose credit card or charge card getting a credit card synchrony financial MA i am a victim of identity theft i have called synchrony bank paypal credit multiple times after i received a summons to appear at small claims court on xxxx for a debt in the amount of as well as a court filing fee of i have repeatedly told them i never opened an account with them and that this is all fraud but each time i was ignored and even treated with hostility at times most told me that there is nothing they can do and i will just have to pay a debt i do not owe,"['identity theft', 'PayPal', 'never applied', 'fraud', 'debt']"
384,2829601,44378,Store credit card,Fees or interest,SYNCHRONY FINANCIAL,NY,JCPENNEY and their financial provider XXXX XXXX sent me my XXXX statement to pay on XXXX XX/XX/2020 with a new balance of : {$1600.00} and I paid regularly {$200.00} dollars. The next statement for the month of XXXX to pay on XXXX XX/XX/2020 the balance was : {$1600.00} - {$200.00} payment + {$38.00} fees charged (? ) + {$1800.00} interest charges (? ) My new balance for XXXX XX/XX/2020 was : {$3300.00} Without any purchase made by us or either fraudulent purchase on our account. It took me awhile to find out what happened and where to go for help. I talked to a representative of the bank and she told me that maybe it was a new purchase. When I told her that it was not and the statement said it was interest charges she said that I couldn't have more information about it because I was not the primary card holder. I said that I was authorized by my husband and she said that only to pay and to buy. Not to disclose any other information. My husband has been sick for quite some time and I know how deeply affected he gets with this kind of felony. He feels hopeless and doesn't know how to fix or get the help we need. I have the statements to show this outrageous amount and also I have been paying every month which I know I already paid my purchase though I am still paying for the interest theft because I did not know what to do until now that I am presenting this case to you. Please help us out. Thank you so much XXXX XXXX,store credit card fees or interest synchrony financial NY jcpenney and their financial provider xxxx xxxx sent me my xxxx statement to pay on xxxx xxxx with a new balance of and i paid regularly dollars the next statement for the month of xxxx to pay on xxxx xxxx the balance was payment fees charged interest charges my new balance for xxxx xxxx was without any purchase made by us or either fraudulent purchase on our account it took me awhile to find out what happened and where to go for help i talked to a representative of the bank and she told me that maybe it was a new purchase when i told her that it was not and the statement said it was interest charges she said that i couldnt have more information about it because i was not the primary card holder i said that i was authorized by my husband and she said that only to pay and to buy not to disclose any other information my husband has been sick for quite some time and i know how deeply affected he gets with this kind of felony he feels hopeless and doesnt know how to fix or get the help we need i have the statements to show this outrageous amount and also i have been paying every month which i know i already paid my purchase though i am still paying for the interest theft because i did not know what to do until now that i am presenting this case to you please help us out thank you so much xxxx xxxx,"['JC Penney', 'fee', 'customer service', 'interest']"
385,2829842,43983,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,NY,Ive had a PayPal credit card for several years. Due to coronavirus and a huge hit to my income I was unable to make payments for 3 months or on time. I finally got a XXXX loan for XXXX XXXX and tried to pay my credit card. They will not allow my card to be open. After having this credit card since XX/XX/XXXX. This destroys my credit at the time when I need it the most. As of today XXXX I had to call again to have interest fees waived after I overpaid on time to get my credit card and my credit in good standing.,generalpurpose credit card or charge card closing your account synchrony financial NY ive had a paypal credit card for several years due to coronavirus and a huge hit to my income i was unable to make payments for months or on time i finally got a xxxx loan for xxxx xxxx and tried to pay my credit card they will not allow my card to be open after having this credit card since xxxxxxxx this destroys my credit at the time when i need it the most as of today xxxx i had to call again to have interest fees waived after i overpaid on time to get my credit card and my credit in good standing,"['PayPal', 'credit card', 'interest', 'fee']"
386,2836198,43709,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,CA,"Fraudulent account has been disputed on several occasions and creditor refuses to removal this account. I have requested on several occasions that the Identification and application submitted to open this account be forwarded to me. This has not happened. In previous disputes the creditor has sent me billing statements. This does not constitute proof. I am not disputing whether the account exist. Im not the liable party and the account needs to be removed off my credit report immediately. The creditor has asked me to send in more documentation when the burden of proof is not on the consumer. If this account is being "" verified '' when its disputed the creditor should have proof of who opened this account. There should be a copy of the application with my personal information on it as well as the identification used to open this account. It doesnt exist. REMOVE THIS ACCOUNT",credit reporting incorrect information on your report synchrony financial CA fraudulent account has been disputed on several occasions and creditor refuses to removal this account i have requested on several occasions that the identification and application submitted to open this account be forwarded to me this has not happened in previous disputes the creditor has sent me billing statements this does not constitute proof i am not disputing whether the account exist im not the liable party and the account needs to be removed off my credit report immediately the creditor has asked me to send in more documentation when the burden of proof is not on the consumer if this account is being verified when its disputed the creditor should have proof of who opened this account there should be a copy of the application with my personal information on it as well as the identification used to open this account it doesnt exist remove this account,"['fraud', 'account', 'dispute']"
387,2837033,44927,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,NY,[ XX/XX/2023 ] To Whom It XXXX Concern : Please note that under Section 1681c of the Federal Fair Credit Reporting Act you are obligated to delete obsolete information from the consumer credit report of the undersigned. The following account list : [ PayPal Credit ] This information is obsolete and should no longer be appearing on my credit reports ; please delete it. This information is outdated and obsolete and should be deleted immediately from your credit files. I anticipate your immediate attention to this matter. Truly XXXXXXXX XXXX XXXX XXXX,credit reporting incorrect information on your report synchrony financial NY xxxx to whom it xxxx concern please note that under section c of the federal fair credit reporting act you are obligated to delete obsolete information from the consumer credit report of the undersigned the following account list paypal credit this information is obsolete and should no longer be appearing on my credit reports please delete it this information is outdated and obsolete and should be deleted immediately from your credit files i anticipate your immediate attention to this matter truly xxxxxxxx xxxx xxxx xxxx,"['Fair Credit Reporting Act', 'credit report', 'PayPal']"
388,2837739,44986,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,AZ,In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.,credit reporting improper use of your report synchrony financial AZ in accordance with the fair credit reporting act xxxx xxxx xxxx xxxx has violated my rights usc section states i have the right to privacy usc section a section it also states a consumer reporting agency can not furnish a account without my written instructions usc b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose,"['Fair Credit Reporting Act', 'violation', 'without consent', 'credit agencies']"
389,2839901,43466,Credit card debt,Took or threatened to take negative or legal action,SYNCHRONY FINANCIAL,TX,I received a notice that I am being sued for debt collection by XXXX XXXX XXXX XXXX on a closed/and or charged off amount on a Synchrony Bank (Lowes) credit card and must respond/appear in court in 19 days. I have been disabled by a judge and only receive Disability benefits and cannot drive to appear in court Account opened in XX/XX/XXXXstate of Texas amount $XXXX. Any advice on this matter is appreciated,credit card debt took or threatened to take negative or legal action synchrony financial TX i received a notice that i am being sued for debt collection by xxxx xxxx xxxx xxxx on a closedand or charged off amount on a synchrony bank lowes credit card and must respondappear in court in days i have been disabled by a judge and only receive disability benefits and cannot drive to appear in court account opened in xxxxxxxxstate of texas amount xxxx any advice on this matter is appreciated,"['debt collection agency', 'charge off', 'Lowes']"
390,2844831,43525,Store credit card,Problem when making payments,SYNCHRONY FINANCIAL,PA,I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.,store credit card problem when making payments synchrony financial PA i was shocked when reviewing my credit report and found a late payment on the date below days late as of xxxx i am not sure how this happened i believe i made my payments to you when i received my statements my only thought is that my statement did not get to me,"['credit report', 'late payment']"
391,2850834,45108,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,AL,I have been a customer of former Carecredit now Synchony bank for 6 years I have never missed a payment and recently paid my balance off in fulll. The next month they closed my account. No explanation. I have recently paid off my car and three credit card my credit score has increased by XXXX points. This is a terrible company and they need to face legal consequences for their actions.,generalpurpose credit card or charge card closing your account synchrony financial AL i have been a customer of former carecredit now synchony bank for years i have never missed a payment and recently paid my balance off in fulll the next month they closed my account no explanation i have recently paid off my car and three credit card my credit score has increased by xxxx points this is a terrible company and they need to face legal consequences for their actions,"['Care Credit', 'payment', 'account closed', 'without consent', 'credit score']"
392,2852894,44105,Store credit card,Problem when making payments,SYNCHRONY FINANCIAL,MA,Hi TJX MGR ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen I was shocked when I reviewed my credit report today and found late payment on I am not sure how this happened I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.,store credit card problem when making payments synchrony financial MA hi tjx mgr how are you doing during this pandemic hoping that youre safe and sound listen i was shocked when i reviewed my credit report today and found late payment on i am not sure how this happened i believe that i had made my payments to you when i received my statements my only thought is that my monthly statement did not get to me or the payment was not applied as fast as expected i check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report,"['credit report', 'late payment', 'checking account']"
393,2854761,43922,Credit card debt,Written notification about debt,SYNCHRONY FINANCIAL,TX,On XXXX XX/XX/2020 @ XXXX I called XXXX XXXX XXXX and discussed a possible settlement for a debt I owed of {$710.00}. I spoke with XXXX along with my financial counselor being on the call. My counselor asked for a lower settlement. I could not make the settlement he initially offered of {$570.00}. XXXX said he could not accept our offer. My counselor asked for the payment address because I could not pay the settlement in full and XXXX refused to give us the payment address. Stated that our {$25.00} payment would not be acceptable. My counselor again asked XXXX what the payment address is and again he refused to give us the address. We informed him that we would be filing this complaint.,credit card debt written notification about debt synchrony financial TX on xxxx xxxx xxxx i called xxxx xxxx xxxx and discussed a possible settlement for a debt i owed of i spoke with xxxx along with my financial counselor being on the call my counselor asked for a lower settlement i could not make the settlement he initially offered of xxxx said he could not accept our offer my counselor asked for the payment address because i could not pay the settlement in full and xxxx refused to give us the payment address stated that our payment would not be acceptable my counselor again asked xxxx what the payment address is and again he refused to give us the address we informed him that we would be filing this complaint,"['debt', 'payment']"
394,2855540,45108,Credit card debt,Took or threatened to take negative or legal action,SYNCHRONY FINANCIAL,VA,Sued and garnished for over {$6000.00} by XXXX XXXX XXXX. I believe used illegal collection tactics. Without legal notifications. I have court XX/XX/2023 with this collection company. Look forward to disputing the claims in court. No surprise that this company is currently under investigation. Typical behavior from a company that will do almost anything for the almighty dollar. Hope this company is investigated thoroughly.,credit card debt took or threatened to take negative or legal action synchrony financial VA sued and garnished for over by xxxx xxxx xxxx i believe used illegal collection tactics without legal notifications i have court xxxx with this collection company look forward to disputing the claims in court no surprise that this company is currently under investigation typical behavior from a company that will do almost anything for the almighty dollar hope this company is investigated thoroughly,"['illegal', 'no notification', 'debt collection agency']"
395,2857774,45108,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,NY,Charge for XXXX from XXXX was pending and posted on venemo visa credit card The amount was for a cancelled service that never happened I requested synchrony to refund the charge they have not It is not a valid charge,generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial NY charge for xxxx from xxxx was pending and posted on venemo visa credit card the amount was for a cancelled service that never happened i requested synchrony to refund the charge they have not it is not a valid charge,"['Venmo', 'credit card']"
396,2859126,44013,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,CA,"On XX/XX/2020 I received a letter from Synchrony Bank stating my account ( Sam 's Club Mastercard ) was closed due to "" Activity on account with Synchrony Bank indicative or high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. Under the Equal Credit Opportunity Rights Act I have a right to find out why my account was closed unless the account was inactive or my failure to make payments as agreed.",generalpurpose credit card or charge card closing your account synchrony financial CA on xxxx i received a letter from synchrony bank stating my account sam s club mastercard was closed due to activity on account with synchrony bank indicative or high risk of failure to pay i believe this action was taken illegally as a response to the covid pandemic under the equal credit opportunity rights act i have a right to find out why my account was closed unless the account was inactive or my failure to make payments as agreed,"['Sams Club', 'Mastercard', 'illegal', 'account']"
397,2862736,45047,Store credit card,Trouble using your card,SYNCHRONY FINANCIAL,OH,I had a XXXX XXXX credit card. Synchrony bank closed it without any notice. I have several cards with Synchrony and I am seeing the trends that they wants to manipulate the credit score to a lower number so that Synchrony can get higher interest possible. By closing the XXXX XXXX card they impacted my credit score.,store credit card trouble using your card synchrony financial OH i had a xxxx xxxx credit card synchrony bank closed it without any notice i have several cards with synchrony and i am seeing the trends that they wants to manipulate the credit score to a lower number so that synchrony can get higher interest possible by closing the xxxx xxxx card they impacted my credit score,"['credit card', 'without consent', 'credit score', 'interest']"
398,2864324,44013,Store credit card,Closing your account,SYNCHRONY FINANCIAL,CA,"On XX/XX/2020 I received a letter from Synchrony Bank stating my account ( Belk Rewards Card ) was closed due to "" Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. Under the Equal Credit Opportunity Rights Act I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.",store credit card closing your account synchrony financial CA on xxxx i received a letter from synchrony bank stating my account belk rewards card was closed due to activity on account with synchrony bank indicative of high risk of failure to pay i believe this action was taken illegally as a response to the covid pandemic under the equal credit opportunity rights act i have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed,"['account', 'rewards', 'high risk']"
399,2864845,43678,General-purpose credit card or charge card,Trouble using your card,SYNCHRONY FINANCIAL,TX,CareCredit lowered my credit limit from {$2500.00} to {$1500.00} because my credit score dropped. This seems unethical and illegal.,generalpurpose credit card or charge card trouble using your card synchrony financial TX carecredit lowered my credit limit from to because my credit score dropped this seems unethical and illegal,"['Care Credit', 'credit limit decrease', 'credit score', 'illegal']"
400,2865115,44105,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,CA,Synchrony bank has been harassing me over a charge on a credit card that was not made by me.,credit card debt attempts to collect debt not owed synchrony financial CA synchrony bank has been harassing me over a charge on a credit card that was not made by me,"['harass', 'credit card']"
401,2865191,44378,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,GA,I mailed in a letter XX/XX/2020 asking Synchrony Bank to remove late payments posted on my Paypal credit account account for the following months : XX/XX/XXXX and XX/XX/2020. I was affected by Covid-19 and where unable to make on time payments due to the lack of flying. I have been current since XX/XX/2020 and ask that these late payments be removed.,credit reporting incorrect information on your report synchrony financial GA i mailed in a letter xxxx asking synchrony bank to remove late payments posted on my paypal credit account account for the following months xxxxxxxx and xxxx i was affected by covid and where unable to make on time payments due to the lack of flying i have been current since xxxx and ask that these late payments be removed,"['PayPal', 'late payment']"
402,2865310,44743,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,GA,I have been a victim of Identity theft. I have sent several dispute to the creditor/and or XXXX XXXX XXXX and XXXX. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.,credit reporting improper use of your report synchrony financial GA i have been a victim of identity theft i have sent several dispute to the creditorand or xxxx xxxx xxxx and xxxx the inquiries are as follows xxxx xxxx xxxx xxxxxxxx xxxx xxxxxxxx xxxx xxxxxxxx xxxx xxxx xxxxxxxx xxxx xxxx xxxxxxxx,"['identity theft', 'dispute', 'hard inquiry']"
403,2866888,44986,General-purpose credit card or charge card,Getting a credit card,SYNCHRONY FINANCIAL,NV,SNYCB / Paypal credit card They opened a credit card account in my name WITHOUT an application from me! between XX/XX/2023 and XX/XX/2023 this card was added to my credit report I made NO request for this account NOR did I file an application for this account. I do not want this account! Calling them to get this problem rectified is also Problem as you are on Hold for ever! All the guy on phone does is apologize and refuses to explain how or why the application was made on their part. This has resulted in a Hard inquiry on my credit and a reduction of my credit line. They are not willing to say what happened or why and also claim it will not affect my Paypal account. BUT I do not believe them. I have had my Pay pal account for years and never had a Problem BUT at this point I may be closing my account.,generalpurpose credit card or charge card getting a credit card synchrony financial NV snycb paypal credit card they opened a credit card account in my name without an application from me between xxxx and xxxx this card was added to my credit report i made no request for this account nor did i file an application for this account i do not want this account calling them to get this problem rectified is also problem as you are on hold for ever all the guy on phone does is apologize and refuses to explain how or why the application was made on their part this has resulted in a hard inquiry on my credit and a reduction of my credit line they are not willing to say what happened or why and also claim it will not affect my paypal account but i do not believe them i have had my pay pal account for years and never had a problem but at this point i may be closing my account,"['PayPal', 'credit card', 'account', 'credit report', 'hard inquiry']"
404,3111502,44136,General-purpose credit card or charge card,Struggling to pay your bill,SYNCHRONY FINANCIAL,TX,Synchrony Bank states on their website at https : //www.mysynchrony.com/servicing.html that customers suffering financial hardship may receive fee adjustments deferred payments extending an existing credit card promotion and reevaluating your credit limits. I contacted them in regards to my care credit. I asked for a deferment due to covid related issues I missed several days of work/pay. They told me they no longer offer deferred payments. They stated only options I have is if I let my account go delinquent. Once I do that then call them back. I asked what the options would be. They stated to close out my account and put me on a repayment plan. I told them I wasn't interested in that I only needed help this month payment due on XX/XX/XXXX for my XXXX statement. They said the promotion of deferred payments expired in XXXX yet part of their hardship advertising is extending credit card promotions. Its all false advertising. Synchrony bank is falsely advertising financial help for customers when their only option is to close out your account and put you on a repayment plan. They implied I needed to not pay go delinquent on an account that's never been delinquent just so they can help me by closing out my account - which was still not guaranteed acceptance on the repayment plan.,generalpurpose credit card or charge card struggling to pay your bill synchrony financial TX synchrony bank states on their website at https wwwmysynchronycomservicinghtml that customers suffering financial hardship may receive fee adjustments deferred payments extending an existing credit card promotion and reevaluating your credit limits i contacted them in regards to my care credit i asked for a deferment due to covid related issues i missed several days of workpay they told me they no longer offer deferred payments they stated only options i have is if i let my account go delinquent once i do that then call them back i asked what the options would be they stated to close out my account and put me on a repayment plan i told them i wasnt interested in that i only needed help this month payment due on xxxxxxxx for my xxxx statement they said the promotion of deferred payments expired in xxxx yet part of their hardship advertising is extending credit card promotions its all false advertising synchrony bank is falsely advertising financial help for customers when their only option is to close out your account and put you on a repayment plan they implied i needed to not pay go delinquent on an account thats never been delinquent just so they can help me by closing out my account which was still not guaranteed acceptance on the repayment plan,"['fee', 'Care Credit', 'delinquent', 'promotion', 'account closed']"
405,3166858,44166,General-purpose credit card or charge card,Other features terms or problems,SYNCHRONY FINANCIAL,NV,I have currently been paying my CareCredit/Synchrony Bank credit card ON TIME/autopay for YEARS and then paid an additional {$250.00} last month with remaining balance of XXXX. Today XX/XX/2020 they lowered my limit to XXXX forcing my credit score to be dropped by XXXX POINTS!!!!! This should be ILLEGAL!!! It is so UNFAIR to consumers that have been an excellent customer for years! I have been working hard to correct errors on my credit reports and now they have ruined my all my hard work!,generalpurpose credit card or charge card other features terms or problems synchrony financial NV i have currently been paying my carecreditsynchrony bank credit card on timeautopay for years and then paid an additional last month with remaining balance of xxxx today xxxx they lowered my limit to xxxx forcing my credit score to be dropped by xxxx points this should be illegal it is so unfair to consumers that have been an excellent customer for years i have been working hard to correct errors on my credit reports and now they have ruined my all my hard work,"['CareCredit', 'credit limit decrease', 'credit score', 'credit report']"
406,3168893,44166,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,FL,There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019 SYNCB add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge I have not signed any documents authorizing your organization to view my credit history therefore your inquiry into my credit report violates the Fair Credit Reporting Act Section 1681b ( c ) : Transactions Not Initiated by Consumer.,credit reporting incorrect information on your report synchrony financial FL there are unknown hard inquiries on my credit reports im requested the verification of the inquiries and the method of verification on xxxx syncb add a hard inquiry on my credit report but companies did not provide the following proof permissible purpose my written authorization proof that i personally initiated these inquiries to my knowledge i have not signed any documents authorizing your organization to view my credit history therefore your inquiry into my credit report violates the fair credit reporting act section b c transactions not initiated by consumer,"['hard inquiry', 'credit report', 'Fair Credit Reporting Act']"
407,3265758,44409,General-purpose credit card or charge card,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,MA,I am a member of the class summarized in this formal complaint to PayPal Credit : XXXX XXXX XXXX PayPal credit opened a credit line with Synchrony Bank without my consent or authorization. A current balance with PayPal was then applied to the Synchrony credit line without my knowing which incurred monthly late charges. These series of late charges from this rogue account brought my near perfect credit score of 840+ down almost two hundred points in a matter of weeks! I was finally able to get the fees dropped and the credit line closed but the delinquent remarks remained on my credit report. I was told by a PayPal Credit employee that a letter would be sent out to request the delinquent remarks be removed but almost a year later the remarks are still there. This is blocking a current home mortgage application for me and my wife to be. PayPal Credit 's negligence is jeopardizing my housing situation and future and I can't even get a representative to help me. We can only see the derogatory marks on credit reports and do not even have the account numbers or any information about the account. Every time we try to call we get sent back and forth between PayPal and PayPal Credit with XXXX resolution.,generalpurpose credit card or charge card problem with a credit reporting companys investigation into an existing problem synchrony financial MA i am a member of the class summarized in this formal complaint to paypal credit xxxx xxxx xxxx paypal credit opened a credit line with synchrony bank without my consent or authorization a current balance with paypal was then applied to the synchrony credit line without my knowing which incurred monthly late charges these series of late charges from this rogue account brought my near perfect credit score of down almost two hundred points in a matter of weeks i was finally able to get the fees dropped and the credit line closed but the delinquent remarks remained on my credit report i was told by a paypal credit employee that a letter would be sent out to request the delinquent remarks be removed but almost a year later the remarks are still there this is blocking a current home mortgage application for me and my wife to be paypal credit s negligence is jeopardizing my housing situation and future and i cant even get a representative to help me we can only see the derogatory marks on credit reports and do not even have the account numbers or any information about the account every time we try to call we get sent back and forth between paypal and paypal credit with xxxx resolution,"['PayPal',  'fee', 'credit report', 'delinquent', 'line of credit', 'without consent', 'late fee']"
408,3270786,44409,General-purpose credit card or charge card,Other features terms or problems,SYNCHRONY FINANCIAL,TX,"My complaint is about Synchrony Bank closing my Paypal Credit card ridiculously to expropriate 2 % cash rewards. During the card statement ( XXXX ) I spent {$20000.00} through 4 transactions and would earn {$410.00} reward after the period ended. But Synchrony bank closed my credit card on XX/XX/XXXX when balance is XXXX. Their explanation was "" I'm a high risk user ''. But ( 1 ) my credit score is over 750 without any overdue issue and ( 2 ) I paid off balance at the same day when I swipe above 4 transitions. ( 3 ) the balance is keep XXXX. It's ridiculous how risky I am for Synchrony bank! Then I asked to reinstate my credit card. but I got their final declining decision later. However in that week I got a pre-approval letter from Synchrony Bank to apply for new credit card. This offer prove I'm qualified for their credit card without high risk. It's obvous that they just find a excuse to closed my last credit card to reject to pay my hihgh reward of {$410.00}.",generalpurpose credit card or charge card other features terms or problems synchrony financial TX my complaint is about synchrony bank closing my paypal credit card ridiculously to expropriate cash rewards during the card statement xxxx i spent through transactions and would earn reward after the period ended but synchrony bank closed my credit card on xxxxxxxx when balance is xxxx their explanation was im a high risk user but my credit score is over without any overdue issue and i paid off balance at the same day when i swipe above transitions the balance is keep xxxx its ridiculous how risky i am for synchrony bank then i asked to reinstate my credit card but i got their final declining decision later however in that week i got a preapproval letter from synchrony bank to apply for new credit card this offer prove im qualified for their credit card without high risk its obvous that they just find a excuse to closed my last credit card to reject to pay my hihgh reward of,"['PayPal', 'credit score', 'rewards']"
409,3272369,44682,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,NY,In accordance with the fair credit reporting act XXXX account # XXXX has violated my right. 15usc 1681 section 602 states i have. the right to privacy. 15usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late For a purpose.,credit reporting improper use of your report synchrony financial NY in accordance with the fair credit reporting act xxxx account xxxx has violated my right usc section states i have the right to privacy usc section a section it also states a consumer reporting agency can not furnish a account without my written instructions usc b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose,"['Fair Credit Reporting Act', 'violation']"
410,3272459,44105,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,NC,The was an illegal inquiry/pull of my credit report by syncb paypal in XXXX. XXXX is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with syncb paypal or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after syncb PayPal sent letters that acknowledged this XXXX and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter they just using that to cover there XXXX. My name social security number and address has not changes ever. All the same. All documents have been attached including SYNCB/PAYPAL acknowledgement of illegal account and the request to delete it from XXXX XXXX false statements made on behalf of XXXX and fake letters they said they sent.,credit reporting improper use of your report synchrony financial NC the was an illegal inquirypull of my credit report by syncb paypal in xxxx xxxx is displaying illegal and allowing illegal use of my credit report i dont have and never had account with syncb paypal or giving anyone permission to pull my credit report or put anything on it which is supported by attachments even after syncb paypal sent letters that acknowledged this xxxx and xxxx xxxx continues to display illegal innacurrate information information remains on report in relation to illegal inquiry also xxxx stated that i requested a fraud alert and also that they sent me a letter that is absolutely false i already had fraud alerts and blocks on my credit report because of fraudulent activity they never sent me a letter they just using that to cover there xxxx my name social security number and address has not changes ever all the same all documents have been attached including syncbpaypal acknowledgement of illegal account and the request to delete it from xxxx xxxx false statements made on behalf of xxxx and fake letters they said they sent,"['illegal', 'hard inquiry', 'credit report', 'PayPal']"
411,3275389,44986,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,ME,I have been requesting this synchrony bank to remove all late payments from my report under an account that was closed without my consent. The company has not gotten back to by email phone or mail. Also I never gave the company consent to report any late payments to. my report.,credit reporting improper use of your report synchrony financial ME i have been requesting this synchrony bank to remove all late payments from my report under an account that was closed without my consent the company has not gotten back to by email phone or mail also i never gave the company consent to report any late payments to my report,"['account closed', 'without consent']"
412,3285423,44470,Store credit card,Getting a credit card,SYNCHRONY FINANCIAL,DE,This is a problem with the Synchrony Bank. I had an account with Sam 's Club for a long time. Then they sent another card without notifying me which I never received. I could not get into my account online. They had mailed that card to an address in XXXX. I called and they closed that account and issued me another card. They same thing happened again. I opened a Lowes credit card account. The same thing happened with the Lowes account. Lowes also uses Synchrony Bank. The same thing happened twice. Today I received another email from Synchrony Bank about a Lowes account. I had to click on a link to open the letter. Again my zip code to open the letter would not work. I have not changed my address in over 30 years. I had to call the bank again to keep them from sending out a card in my name to an address in XXXX Fl. I have plenty of credit and have had no problem with other companies or Banks,store credit card getting a credit card synchrony financial DE this is a problem with the synchrony bank i had an account with sam s club for a long time then they sent another card without notifying me which i never received i could not get into my account online they had mailed that card to an address in xxxx i called and they closed that account and issued me another card they same thing happened again i opened a lowes credit card account the same thing happened with the lowes account lowes also uses synchrony bank the same thing happened twice today i received another email from synchrony bank about a lowes account i had to click on a link to open the letter again my zip code to open the letter would not work i have not changed my address in over years i had to call the bank again to keep them from sending out a card in my name to an address in xxxx fl i have plenty of credit and have had no problem with other companies or banks,"['Sams Club', 'Lowes', 'fraud']"
413,3288763,44501,Mobile or digital wallet,Unauthorized transactions or other transaction problem,SYNCHRONY FINANCIAL,VA,Synchrony Bank/Paypal Credit was supposed to be investigating my complaint. XXXX XXXX from the Office of the President left one message on my phone. I returned the phone call the following business day. She never returned my call. I called two more times I believe and left a message to return my call. No one ever called me back. Now they have closed the case citing I was not available. Part of my main complaint was how Paypal/Synchrony Bank does not contact customers who have complaints. This only goes to show that they do not care about a customer who has been scammed by a Merchant that ruined personal property. I still have the XXXX XXXX voicemail on my phone. I am willing to provide the details from that message if necessary. Refer to initial complaint # XXXX,mobile or digital wallet unauthorized transactions or other transaction problem synchrony financial VA synchrony bankpaypal credit was supposed to be investigating my complaint xxxx xxxx from the office of the president left one message on my phone i returned the phone call the following business day she never returned my call i called two more times i believe and left a message to return my call no one ever called me back now they have closed the case citing i was not available part of my main complaint was how paypalsynchrony bank does not contact customers who have complaints this only goes to show that they do not care about a customer who has been scammed by a merchant that ruined personal property i still have the xxxx xxxx voicemail on my phone i am willing to provide the details from that message if necessary refer to initial complaint xxxx,"['PayPal', 'customer service']"
414,3290597,44593,General-purpose credit card or charge card,Trouble using your card,SYNCHRONY FINANCIAL,AZ,PayPal/Synchrony bank on XX/XX/2022 lowered my credit limit from {$2700.00} to {$1500.00} for non usage. I became aware of the change via my credit monitoring service with XXXX. I called Synchrony Bank to restore my credit line. They ran my credit and issued a new line of {$2300.00} less than my original credit line. I disputed to have my full line restored but they would not do so. I have been financially harmed since my credit score has been lowered with the credit bureaus due to PayPal/Synchrony Bank and I will have to monitor my other cards due to Synchrony 's actions.,generalpurpose credit card or charge card trouble using your card synchrony financial AZ paypalsynchrony bank on xxxx lowered my credit limit from to for non usage i became aware of the change via my credit monitoring service with xxxx i called synchrony bank to restore my credit line they ran my credit and issued a new line of less than my original credit line i disputed to have my full line restored but they would not do so i have been financially harmed since my credit score has been lowered with the credit bureaus due to paypalsynchrony bank and i will have to monitor my other cards due to synchrony s actions,"['PayPal', 'dispute', 'credit score', 'credit limit decrease', 'line of credit', 'credit bureaus']"
415,3292648,44866,General-purpose credit card or charge card,Fees or interest,SYNCHRONY FINANCIAL,TX,Synchrony Bank/PayPal has and continues to charge us late fees and interest on Fraudulent charges that they have since resolved. However the previous late charges and interest have not been credited and they continue to charge additional late fees and interest as they consider the account delinquent. We have tried several times to get this resolved but it does not appear they understand how their systems work. Should be simple math. We had a XXXX balance. Fraud was committed on the account. Fraud is resolved. No additional purchases as account was closed out. Account balance should be XXXX.,generalpurpose credit card or charge card fees or interest synchrony financial TX synchrony bankpaypal has and continues to charge us late fees and interest on fraudulent charges that they have since resolved however the previous late charges and interest have not been credited and they continue to charge additional late fees and interest as they consider the account delinquent we have tried several times to get this resolved but it does not appear they understand how their systems work should be simple math we had a xxxx balance fraud was committed on the account fraud is resolved no additional purchases as account was closed out account balance should be xxxx,"['PayPal', 'late fee', 'fraud']"
416,3308543,44835,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,NY,In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.,credit reporting improper use of your report synchrony financial NY in accordance with the fair credit reporting act this creditor has violated my rights under usc section o states i have the right to privacy usc section a section a consumer reporting agency can not furnish an account without my written instructions under uscs b treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,"['Fair Credit Reporting Act', 'violation']"
417,3309694,45108,General-purpose credit card or charge card,Getting a credit card,SYNCHRONY FINANCIAL,CA,A sales associate from Ashley Furniture Home Store issued me a Synchrony Bank credit card without my knowledge or approval. I was contemplating buying a couch from the furniture store and asked if there was a way to pay for it over the course of a few weeks. The representative advertised that they would check whether I qualified for a credit card they did not say they were signing me up for one without my approval. I had made it clear to them that I did not want a credit card and the representative assured me they were just going to check if I'd qualify. This credit card was issued to me without my consent. I have never even purchased anything from Ashley Furniture and they are attempting to damage my credit with this credit card that I never asked for and will never use. This is fraud.,generalpurpose credit card or charge card getting a credit card synchrony financial CA a sales associate from ashley furniture home store issued me a synchrony bank credit card without my knowledge or approval i was contemplating buying a couch from the furniture store and asked if there was a way to pay for it over the course of a few weeks the representative advertised that they would check whether i qualified for a credit card they did not say they were signing me up for one without my approval i had made it clear to them that i did not want a credit card and the representative assured me they were just going to check if id qualify this credit card was issued to me without my consent i have never even purchased anything from ashley furniture and they are attempting to damage my credit with this credit card that i never asked for and will never use this is fraud,"['Ashley Furniture', 'open account', 'without consent', 'fraud']"
418,3315772,43831,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,PA,I have a Hard Inquire on my credit report from this credit card company that I did make. I believe it was done fraudulent and I would appreciate it very much for them to remove it.,credit reporting incorrect information on your report synchrony financial PA i have a hard inquire on my credit report from this credit card company that i did make i believe it was done fraudulent and i would appreciate it very much for them to remove it,"['credit report', 'hard inquiry', 'fraud']"
419,3330015,45047,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,CA,New new hard inquiry on my credit report without my knowledge. I had recently notice a fraud on my report and this is another instance that I was notified,credit reporting improper use of your report synchrony financial CA new new hard inquiry on my credit report without my knowledge i had recently notice a fraud on my report and this is another instance that i was notified,"['hard inquiry', 'credit report', 'fraud']"
420,3335787,44348,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,FL,VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.,credit reporting incorrect information on your report synchrony financial FL victim of identity theft i recently pulled my xxxx xxxx and xxxx credit report and noticed accounts and inquiries that i did not initiate i contacted the companies and they told me the accounts were listed under my name and social security number i do not have any relation with these companies and believe these accounts are a result of identity theft i have contacted xxxx xxxx and xxxx and explained to them these accounts are fraudulent and need to be removed but they repeatedly violate the fcra by doing nothing,"['identity theft', 'hard inquiry', 'without consent', 'fraud', 'Fair Credit Reporting Act', 'violation']"
421,3346390,45139,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,TX,Synchrony Bank accessed my credit report on XX/XX/2022. I do not recognize and did not authorize this access to my credit report. My credit report has an active fraud alert and is frozen/locked. Access to my credit file requires verbal approval to protect my identity. Additionally I have opted out of pre-approved promotional offers.,credit reporting improper use of your report synchrony financial TX synchrony bank accessed my credit report on xxxx i do not recognize and did not authorize this access to my credit report my credit report has an active fraud alert and is frozenlocked access to my credit file requires verbal approval to protect my identity additionally i have opted out of preapproved promotional offers,"['credit report', 'without consent', 'fraud']"
422,3347177,44927,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,CA,I have a Sam 's Club Mastercard through Synchrony and they out of no where Closed my account. Account has always been in Good Standing and always paid on time. From one billing cycle to the next account was closed.,generalpurpose credit card or charge card closing your account synchrony financial CA i have a sam s club mastercard through synchrony and they out of no where closed my account account has always been in good standing and always paid on time from one billing cycle to the next account was closed,"['Sams Club', 'Mastercard', 'account closed', 'without consent']"
423,3347879,44866,Store credit card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,MI,A fraudulent charge was made on the card and soon after reported. The fraudulent claim was denied and claimed the item was delivered to my address which is false. I never made a purchase anywhere near the date of the transaction and never received a delivery after the date of the transaction. I was never contacted during the investigation and was only sent a denial letter. The card is less than a year old and all purchases were made either online or at our local XXXX 's store. The fraud is likely an internal issue among XXXX 's employees or their affiliates. FYI we have purchased nearly {$20000.00} using this Lowe 's credit card during the 6 months or card ownership and the fraudulent portion was for {$340.00} fraudulently charged well after the competition of our purchases.,store credit card problem with a purchase shown on your statement synchrony financial MI a fraudulent charge was made on the card and soon after reported the fraudulent claim was denied and claimed the item was delivered to my address which is false i never made a purchase anywhere near the date of the transaction and never received a delivery after the date of the transaction i was never contacted during the investigation and was only sent a denial letter the card is less than a year old and all purchases were made either online or at our local xxxx s store the fraud is likely an internal issue among xxxx s employees or their affiliates fyi we have purchased nearly using this lowe s credit card during the months or card ownership and the fraudulent portion was for fraudulently charged well after the competition of our purchases,"['fraud', 'claim', 'denied']"
424,3365118,45108,General-purpose credit card or charge card,Other features terms or problems,SYNCHRONY FINANCIAL,PA,"I opened a Synchrony bank CareCredit card in XXXX to pay for a XXXX. It is the only purchase made on the account and should have been paid off in XXXX with the regular monthly payment ( about {$400.00} ). I noticed in XX/XX/XXXX that the balance was nowhere near XXXX. I saw I was charged a "" XXXX XXXX '' charge every month equal to about {$160.00}. I never agreed to this add-on. I have all the original paperwork and even the envelope from when I opened the account. "" XXXX XXXX '' is not in any of the paperwork. I can also say that it would be an absurd decision to pay for this as it is nearly 1/2 of what the monthly payment was supposed to be ( $ XXXX {$400.00} ) so no one would logically choose this option. I sent a secure message to the company two times in XXXX explaining this and did not receive a return message. I called three times when I finally got through their representative after 20 minutes of holding they were having phone line issues and they could not be heard.",generalpurpose credit card or charge card other features terms or problems synchrony financial PA i opened a synchrony bank carecredit card in xxxx to pay for a xxxx it is the only purchase made on the account and should have been paid off in xxxx with the regular monthly payment about i noticed in xxxxxxxx that the balance was nowhere near xxxx i saw i was charged a xxxx xxxx charge every month equal to about i never agreed to this addon i have all the original paperwork and even the envelope from when i opened the account xxxx xxxx is not in any of the paperwork i can also say that it would be an absurd decision to pay for this as it is nearly of what the monthly payment was supposed to be xxxx so no one would logically choose this option i sent a secure message to the company two times in xxxx explaining this and did not receive a return message i called three times when i finally got through their representative after minutes of holding they were having phone line issues and they could not be heard,"['Care Credit', 'credit card', 'customer service']"
425,3367075,45139,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,GA,"I am the author of this complaint. I checked my credit report and saw that an account from SYNCB/CARECREDIT was reporting inaccurately so I sent a letter to the CRAs disputing the accuracy and completeness of this account onto my credit report. I received the results of the reinvestigation from the CRAs and I noticed that this company "" verified '' that the account was reporting accurately. I used the XXXX XXXX XXXX to cross reference how this account should be reporting and they are in fact still reporting inaccurate and incomplete information onto my credit report. I have been denied credit and loans due to them furnishing incorrect information. SYNCB/CARECREDIT has violated 15 USC 1681s-2b and could be held liable for actual damages under 15 USC 1681n for willful noncompliance. This company has violated the Fair Credit Reporting Act. I've searched the terms and agreement of my contract with this company and noticed that they have an arbitration clause so I have sent a letter to this company ( via certified mail ) to make them aware of my intention to file an FCRA claim in arbitration if we can not reach a solution. Settling prior to filing a claim will be most cost effective to the company vs paying filing fees and arbitration fees A copy of my driver 's license social security card and the correspondence that I mailed to the company is attached to this complaint",credit reporting incorrect information on your report synchrony financial GA i am the author of this complaint i checked my credit report and saw that an account from syncbcarecredit was reporting inaccurately so i sent a letter to the cras disputing the accuracy and completeness of this account onto my credit report i received the results of the reinvestigation from the cras and i noticed that this company verified that the account was reporting accurately i used the xxxx xxxx xxxx to cross reference how this account should be reporting and they are in fact still reporting inaccurate and incomplete information onto my credit report i have been denied credit and loans due to them furnishing incorrect information syncbcarecredit has violated usc sb and could be held liable for actual damages under usc n for willful noncompliance this company has violated the fair credit reporting act ive searched the terms and agreement of my contract with this company and noticed that they have an arbitration clause so i have sent a letter to this company via certified mail to make them aware of my intention to file an fcra claim in arbitration if we can not reach a solution settling prior to filing a claim will be most cost effective to the company vs paying filing fees and arbitration fees a copy of my driver s license social security card and the correspondence that i mailed to the company is attached to this complaint,"['Care Credit', 'Fair Credit Reporting Act', 'credit report', 'denied credit', 'Fair Credit Reporting Act']"
426,3367345,43831,General-purpose credit card or charge card,Advertising and marketing including promotional offers,SYNCHRONY FINANCIAL,FL,I received a promo offer for 5 X points for charges on my Care Credit account through XX/XX/20. I used my card at a network dental provider but did not receive the promo offer. I have sent multiple messages and called Synchrony Bank up to and including sending pictures of the actual promo received. They are stating that it was a XXXX offer and it is very clear to me that they are not even referencing the promo I received. I have the promo card offer there are no dates other than charges thru XX/XX/20. I received 2 X points but not the 5 points offered on the mailer. Very deceptive and misleading advertising. I have had multiple issues with this bank and the integrity of their promo offers.,generalpurpose credit card or charge card advertising and marketing including promotional offers synchrony financial FL i received a promo offer for x points for charges on my care credit account through xxxx i used my card at a network dental provider but did not receive the promo offer i have sent multiple messages and called synchrony bank up to and including sending pictures of the actual promo received they are stating that it was a xxxx offer and it is very clear to me that they are not even referencing the promo i received i have the promo card offer there are no dates other than charges thru xxxx i received x points but not the points offered on the mailer very deceptive and misleading advertising i have had multiple issues with this bank and the integrity of their promo offers,"['promotion', 'Care Credit', 'credit card', 'misleading', 'deceptive practices']"
427,3367421,43831,Other debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,CA,"Syncrony Bank send me to collections for an account that is already paid! XXXX XXXX XXXX called me a few times to try to collect on a debt that is paid off. I called Syncrony Bank and they said the account was send to collections with "" XXXX XXXX XXXX '' I have called a few times already to take care of the issue I dont get any help from both parties. and it shows on my credit as collection account.",other debt attempts to collect debt not owed synchrony financial CA syncrony bank send me to collections for an account that is already paid xxxx xxxx xxxx called me a few times to try to collect on a debt that is paid off i called syncrony bank and they said the account was send to collections with xxxx xxxx xxxx i have called a few times already to take care of the issue i dont get any help from both parties and it shows on my credit as collection account,"['account', 'debt collection agency', 'debt', 'credit report']"
428,3371718,44774,Credit card debt,Communication tactics,SYNCHRONY FINANCIAL,AL,I requested a letter which the collector refused to do. I reluctantly agree to correspond via email. I also asked that they not call me due to XXXX XXXX at which point he mocked me. Then did not send the email when he said he would. I had to leave a voicemail for the collector to remind him to send it on Friday XX/XX/22. I received a call from the collector on XX/XX/22 After I requested to not be contacted by phone. The collector tried to say I called him which was not the case and I have proof otherwise. The collector then tried to pressure me into scheduling a payment at which point I told him I wasnt comfortable doing. I told him that I asked him not to call back to reach me via email as we agreed. He said he would just continue to call if I did not schedule the payment today.,credit card debt communication tactics synchrony financial AL i requested a letter which the collector refused to do i reluctantly agree to correspond via email i also asked that they not call me due to xxxx xxxx at which point he mocked me then did not send the email when he said he would i had to leave a voicemail for the collector to remind him to send it on friday xxxx i received a call from the collector on xxxx after i requested to not be contacted by phone the collector tried to say i called him which was not the case and i have proof otherwise the collector then tried to pressure me into scheduling a payment at which point i told him i wasnt comfortable doing i told him that i asked him not to call back to reach me via email as we agreed he said he would just continue to call if i did not schedule the payment today,"['debt collection agency', 'payment']"
429,3375600,44927,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,AR,"PayPal accounts breached in a credidential stuffing attack on XX/XX/2023. Receiving repeated fraudulent emails to my PayPal account email from XXXX. Because email was from PayPal.com and because I had no notice from PayPal of the breach I called the phone number provided in the email. I hung up after they answered the call stating "" excuse the call '' but now getting fraud emails and phone texts daily from the hackers of PayPal. Called to report and over thirty minutes with Synchrony Bank representative plus two different PayPal representatives. They minimized the problem and stated they were aware of the problem but not to worry yet I continue to get notices from XXXX XXXX XXXX XXXX of requests for payment from my account for purchases that I have not made. Requesting all protections to my credit and identity theft protections provided under the laws of the United States and all applicable states due to the breach of security at PayPal ASAP!",generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial AR paypal accounts breached in a credidential stuffing attack on xxxx receiving repeated fraudulent emails to my paypal account email from xxxx because email was from paypalcom and because i had no notice from paypal of the breach i called the phone number provided in the email i hung up after they answered the call stating excuse the call but now getting fraud emails and phone texts daily from the hackers of paypal called to report and over thirty minutes with synchrony bank representative plus two different paypal representatives they minimized the problem and stated they were aware of the problem but not to worry yet i continue to get notices from xxxx xxxx xxxx xxxx of requests for payment from my account for purchases that i have not made requesting all protections to my credit and identity theft protections provided under the laws of the united states and all applicable states due to the breach of security at paypal asap,"['PayPal', 'account', 'fraud', 'no notification', 'customer service', 'identity theft']"
430,3378358,44986,General-purpose credit card or charge card,Getting a credit card,SYNCHRONY FINANCIAL,MA,A credit card account was fraudulently opened on XX/XX/2023 in my name through Synchrony Bank /Venmo . After receiving a push notification from Venmo on my cell I contacted Synchrony Bank/Venmo and advised them that this account was fraudulently opened. I was advised by the bank 's customer service rep that this account was immediately shut down. The rep indicated that we would receive a letter in 5-10 business days ; and also that the bank would notify the credit bureaus. I would not be responsible for any charges that have processed. Please also note that I disputed and reported this to the three credit bureaus as a fraudulent act as a result of identity theft.,generalpurpose credit card or charge card getting a credit card synchrony financial MA a credit card account was fraudulently opened on xxxx in my name through synchrony bank venmo after receiving a push notification from venmo on my cell i contacted synchrony bankvenmo and advised them that this account was fraudulently opened i was advised by the bank s customer service rep that this account was immediately shut down the rep indicated that we would receive a letter in business days and also that the bank would notify the credit bureaus i would not be responsible for any charges that have processed please also note that i disputed and reported this to the three credit bureaus as a fraudulent act as a result of identity theft,"['credit card', 'fraud', 'Venmo', 'account', 'customer service', 'dispute', 'credit bureaus', 'identity theft']"
431,3380537,44228,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,PA,I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial PA i filed a dispute in regards to the incorrect items on my credit report and its been well over days and i havent received any investigation results,"['dispute', 'credit report']"
432,3382177,45108,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,CA,Hello My Sams Club/Synchrony Bank credit card was frauded on the dates of XXXX XXXX for amounts upward of {$20000.00}. Synchrony Bank is refusing to refund these charges. I was never notified of these charges until I went to make a payment on the account and saw then all the charges. That was on the XXXX of XX/XX/2023. It has been since XX/XX/2023 that there has still been no resolution. My credit score has taken a HUGE hit for this outrageous balance now on this account. I have provided as much information as I could to Synchrony bank and still have no response.,generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial CA hello my sams clubsynchrony bank credit card was frauded on the dates of xxxx xxxx for amounts upward of synchrony bank is refusing to refund these charges i was never notified of these charges until i went to make a payment on the account and saw then all the charges that was on the xxxx of xxxx it has been since xxxx that there has still been no resolution my credit score has taken a huge hit for this outrageous balance now on this account i have provided as much information as i could to synchrony bank and still have no response,"['Sams Club', 'credit card', 'fraud', 'no notification', 'account', 'credit score']"
433,3383834,45047,Store credit card,Problem when making payments,SYNCHRONY FINANCIAL,PA,I am writing the letter on behalf of my amazon account being closed by Synchrony bank. I had never had a problem with Synchrony bank payments for 3 years until now. I even made large payments. After opening a new account with XXXX XXXX and setup online payments that's when i started having problems with paying my amazon account. And i was not aware that they would closed my account after two fell payments. I called in to Synchrony bank and spoke to a account manager I explained the situation to the first account manager she gave me credit and i guest she tried to fix the problem. but didn't. I called back in again and spoke to XXXX about my account being closed and she did not put no complaint in. After acknowledging that she did not do anything. I called back in and spoke to XXXXaccount manager. He actually put in a claim. that when i called back in to check the results Synchrony staff member claimed they deny opening my account. I had to provide my account to them to see if they were using the same account and they wasn't. When i provided them with the correct account number my payment went thru for {$550.00} paid on XX/XX/2023. my argument is they closed my account and i don't understand why they closed my account,store credit card problem when making payments synchrony financial PA i am writing the letter on behalf of my amazon account being closed by synchrony bank i had never had a problem with synchrony bank payments for years until now i even made large payments after opening a new account with xxxx xxxx and setup online payments thats when i started having problems with paying my amazon account and i was not aware that they would closed my account after two fell payments i called in to synchrony bank and spoke to a account manager i explained the situation to the first account manager she gave me credit and i guest she tried to fix the problem but didnt i called back in again and spoke to xxxx about my account being closed and she did not put no complaint in after acknowledging that she did not do anything i called back in and spoke to xxxxaccount manager he actually put in a claim that when i called back in to check the results synchrony staff member claimed they deny opening my account i had to provide my account to them to see if they were using the same account and they wasnt when i provided them with the correct account number my payment went thru for paid on xxxx my argument is they closed my account and i dont understand why they closed my account,"['Amazon', 'account closed']"
434,3387758,44228,Store credit card,Closing your account,SYNCHRONY FINANCIAL,OH,Lowes closed our business account for XXXX XXXX XXXX with no warning and no reason when our account was in good standing.,store credit card closing your account synchrony financial OH lowes closed our business account for xxxx xxxx xxxx with no warning and no reason when our account was in good standing,"['Lowes', 'account closed']"
435,3389006,43831,General-purpose credit card or charge card,Advertising and marketing including promotional offers,SYNCHRONY FINANCIAL,CA,Care Credit ran a promotion this summer XXXX. Get a free XXXX fitness wristband. Between XX/XX/XXXX and XX/XX/XXXX open a new CareCredit credit card make a purchase of {$200.00} or more and register with XXXX XXXX. However the promotion add doesnt state the value of the XXXX in its promotional advertisement. This promotion is misleading. After two statement cicles Care Credit will sent you a redemption code which they create in their system and do not send to their participants after many calls to customer service they tell Yes I see you applying however the promotions has expired and the value of the XXXX is {$40.00}. I follow up on every step and never received my redemption code until I called XX/XX/XXXX.,generalpurpose credit card or charge card advertising and marketing including promotional offers synchrony financial CA care credit ran a promotion this summer xxxx get a free xxxx fitness wristband between xxxxxxxx and xxxxxxxx open a new carecredit credit card make a purchase of or more and register with xxxx xxxx however the promotion add doesnt state the value of the xxxx in its promotional advertisement this promotion is misleading after two statement cicles care credit will sent you a redemption code which they create in their system and do not send to their participants after many calls to customer service they tell yes i see you applying however the promotions has expired and the value of the xxxx is i follow up on every step and never received my redemption code until i called xxxxxxxx,"['Care Credit', 'promotion', 'credit card', 'misleading']"
436,3389604,44044,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,IL,On XX/XX/XXXX I opened a XXXX Credit Card that is under Synchrony Bank. On XX/XX/XXXX I called XXXX to close the account. I had never registered or used the card so my account balance was {$0.00}. However I noticed that XXXX had opened another credit card account for me instead of closing my original one. Now there are currently two credit card accounts under my name in XXXX. I had no knowledge that another account was opened and I did not consent to opening another account. I also never received the other cards for the second account and I can not log in online to my account to I am concerned about being able to properly close both accounts due to the company 's poor service and malpractice. I am also concerned about XXXX opening another account for me without my knowledge again. These disturbances has also negatively affected my credit score.,generalpurpose credit card or charge card closing your account synchrony financial IL on xxxxxxxx i opened a xxxx credit card that is under synchrony bank on xxxxxxxx i called xxxx to close the account i had never registered or used the card so my account balance was however i noticed that xxxx had opened another credit card account for me instead of closing my original one now there are currently two credit card accounts under my name in xxxx i had no knowledge that another account was opened and i did not consent to opening another account i also never received the other cards for the second account and i can not log in online to my account to i am concerned about being able to properly close both accounts due to the company s poor service and malpractice i am also concerned about xxxx opening another account for me without my knowledge again these disturbances has also negatively affected my credit score,"['credit card', 'account opened', 'credit score', 'without consent']"
437,3396108,44166,General-purpose credit card or charge card,Getting a credit card,SYNCHRONY FINANCIAL,CO,I attempted to apply for paypal credit card. Reference # XXXX. They sent 2 notices that I have a fraud report on my credit and they attempted contacting me at the number listed on my fraud report and they did NOT. They stated there was no credit report pulled yet they negatively affected my credit causing credit score decrease. I called and synchrony stated they cant do nothing about no credit file pulled and disputes that they did try to contact me.,generalpurpose credit card or charge card getting a credit card synchrony financial CO i attempted to apply for paypal credit card reference xxxx they sent notices that i have a fraud report on my credit and they attempted contacting me at the number listed on my fraud report and they did not they stated there was no credit report pulled yet they negatively affected my credit causing credit score decrease i called and synchrony stated they cant do nothing about no credit file pulled and disputes that they did try to contact me,"['PayPal', 'credit card', 'fraud', 'credit report', 'credit score', 'dispute']"
438,3396749,45047,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,AZ,"Paypal has locked my account under login ID : - XXXX and there on the account i do have Paypal credit and paypal master card which stands inaccessible. so either paypal needs to go ahead an initiate a closure of both these stated accounts and confirm back. Ofcourse i don't want to continue using the paypal account for that "" Still not justified '' negative balance which was on the account before it was locked. Bottom line- I want paypal to close the Credit and Credit card account and get a closure confirmation. Thank you good bye paypal.",generalpurpose credit card or charge card closing your account synchrony financial AZ paypal has locked my account under login id xxxx and there on the account i do have paypal credit and paypal master card which stands inaccessible so either paypal needs to go ahead an initiate a closure of both these stated accounts and confirm back ofcourse i dont want to continue using the paypal account for that still not justified negative balance which was on the account before it was locked bottom line i want paypal to close the credit and credit card account and get a closure confirmation thank you good bye paypal,"['PayPal', 'Mastercard', 'negative balance', 'credit card']"
439,3400386,44044,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,IL,I checked my credit today because I'm preparing to purchase an income property and I noticed erroneous information on my credit profile. I did not authorize the following companies to run a credit check nor did I authorize them to open a credit account for myself or anyone else. I have not yet contacted these companies. Accounts : XXXX XXXX XXXX XXXX Account Number - XXXX Date opened - XX/XX/XXXX XXXX XXXXXXXX Account Number - XXXX Date opened - XX/XX/XXXX Syncb/ Care Credit Account Number - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Inquiries : Credit Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX,credit reporting incorrect information on your report synchrony financial IL i checked my credit today because im preparing to purchase an income property and i noticed erroneous information on my credit profile i did not authorize the following companies to run a credit check nor did i authorize them to open a credit account for myself or anyone else i have not yet contacted these companies accounts xxxx xxxx xxxx xxxx account number xxxx date opened xxxxxxxx xxxx xxxxxxxx account number xxxx date opened xxxxxxxx syncb care credit account number xxxx date opened xxxxxxxx xxxx xxxx xxxx account number xxxx date opened xxxxxxxx inquiries credit plus xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxxxxxx xxxx xxxx xxxxxxxx xxxx,"['credit report', 'authorization']"
440,3402902,44228,Store credit card,Trouble using your card,SYNCHRONY FINANCIAL,FL,Ive had this card since XXXX. I have made on time payments and was near the end of paying off this card. Synchrony lowered my credit limit of {$1000.00} to {$250.00} which in turn increased my credit utilization with no substantial reason. My FICO score is current over a 700 with no delinquent accounts. This is a way trap people and mess up their credit.,store credit card trouble using your card synchrony financial FL ive had this card since xxxx i have made on time payments and was near the end of paying off this card synchrony lowered my credit limit of to which in turn increased my credit utilization with no substantial reason my fico score is current over a with no delinquent accounts this is a way trap people and mess up their credit,"['credit limit decrease', 'delinquent', 'credit score']"
441,3407523,44228,I do not know,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,PA,The debt collector is called Syncb. I called earlier today to ask about them being on my credit report. They told me that they have no record of me. They told me to contact you guys!,i do not know attempts to collect debt not owed synchrony financial PA the debt collector is called syncb i called earlier today to ask about them being on my credit report they told me that they have no record of me they told me to contact you guys,"['debt collection agency', 'credit report']"
442,3417899,44774,Credit reporting,Credit monitoring or identity theft protection services,SYNCHRONY FINANCIAL,TN,I booked a hotel through XXXX and paid {$990.00}. I left earlier and paid on my way out in the snount of {$450.00}. I have contacted both XXXX and PayPal Mastercard about the dispute. The {$990.00} is still reflecting in the balance owed to paypal.,credit reporting credit monitoring or identity theft protection services synchrony financial TN i booked a hotel through xxxx and paid i left earlier and paid on my way out in the snount of i have contacted both xxxx and paypal mastercard about the dispute the is still reflecting in the balance owed to paypal,"['PayPal', 'Mastercard', 'dispute']"
443,3419478,44682,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,MD,On XXXX the XXXX XXXX someone charged and order XXXX XXXX on my account for {$43.00} I have had 3 fraud and 3 dispute with them nothing has been resolved. It is now XXXX and they are saying the bill is still mine I have written them a letter explaining that I didn't order nor received the item I have been saying this for the last two years they are now charging me late charges the amount today is XXXX ' I need help,credit card debt attempts to collect debt not owed synchrony financial MD on xxxx the xxxx xxxx someone charged and order xxxx xxxx on my account for i have had fraud and dispute with them nothing has been resolved it is now xxxx and they are saying the bill is still mine i have written them a letter explaining that i didnt order nor received the item i have been saying this for the last two years they are now charging me late charges the amount today is xxxx i need help,"['fraud', 'dispute', 'late fee']"
444,3422691,44866,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,TX,To Whom it may concern : Thank you for taking the time to read this letter. I'm writing because my credit reports contains late payments for my CareCredit/Synchrony credit card for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX of XXXX. I called CareCredit in XX/XX/XXXX to ask for assistance to reduce my monthly payments because of the coronavirus epidemic and my hours at work were reduce. I had an excellent payment history and account was current with no late payments. CareCredit enrolled me into the customer assistance plan in XX/XX/XXXX. The representative explained to me that if I accept the plan that my CareCredit credit card would automatically you be closed and I would pay XXXX a month and 0 % interest until the account is paid in full. I agree to the term and the agreement was set up. I want you to know that I understand my financial obligations and it weren't coronavirus epidemic and my hours reduce at work I would have been able to pay my account. I spoke with a CareCredit representative in XXXX and XX/XX/XXXX and they did a dispute online for me and I received a response stating that the information that was reported is accurate.,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial TX to whom it may concern thank you for taking the time to read this letter im writing because my credit reports contains late payments for my carecreditsynchrony credit card for xxxx xxxx xxxx xxxx xxxx xxxx xxxx and xxxx of xxxx i called carecredit in xxxxxxxx to ask for assistance to reduce my monthly payments because of the coronavirus epidemic and my hours at work were reduce i had an excellent payment history and account was current with no late payments carecredit enrolled me into the customer assistance plan in xxxxxxxx the representative explained to me that if i accept the plan that my carecredit credit card would automatically you be closed and i would pay xxxx a month and interest until the account is paid in full i agree to the term and the agreement was set up i want you to know that i understand my financial obligations and it werent coronavirus epidemic and my hours reduce at work i would have been able to pay my account i spoke with a carecredit representative in xxxx and xxxxxxxx and they did a dispute online for me and i received a response stating that the information that was reported is accurate,"['credit report', 'payment', 'Care Credit', 'credit card', 'medical', 'dispute']"
445,3424670,45047,Medical debt,Written notification about debt,SYNCHRONY FINANCIAL,NY,This is a medical debt on my credit report and its in violation of the code fifteen USC16 81 there should be no medical debt on my credit report. Syncb/care credit XXXX XXXX XXXX Charged off,medical debt written notification about debt synchrony financial NY this is a medical debt on my credit report and its in violation of the code fifteen usc there should be no medical debt on my credit report syncbcare credit xxxx xxxx xxxx charged off,"['medical', 'debt', 'credit report', 'violation', 'Care Credit', 'charge off']"
446,3426753,44774,I do not know,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,AR,This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft my information was stolen and used to open this account without my permission or knowledge. The account SYNCHRONY NETWORKS XXX Opened XXXX. XXXX XXXX with a Balance of {$8000.00} was incurred due to fraudulent charges which according to XXXX XXXX XXXX XXXX XXXX I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ] they just furnish a statement which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.,i do not know attempts to collect debt not owed synchrony financial AR this is xxxx xxxx xxxx who is submitting this cfpb complaint myself and to inform you that there is no third party involved in the process i recently verified my latest credit report and i noticed that this account is reporting fraudulently on my credit report i have been a victim of identity theft my information was stolen and used to open this account without my permission or knowledge the account synchrony networks xxx opened xxxx xxxx xxxx with a balance of was incurred due to fraudulent charges which according to xxxx xxxx xxxx xxxx xxxx i am not liable i do not have a legally binding contract with this company this account is trying to collect debt which wad also listed on my credit report i have requested several times for verification this company will not furnish a signed authorization or proof of the procedures they just furnish a statement which proves nothing i asked to validate the numerous listings on my credit file and again all i receive is statements,"['credit report', 'account', 'fraud', 'debt', 'authorization']"
447,3429466,44197,General-purpose credit card or charge card,Other features terms or problems,SYNCHRONY FINANCIAL,IL,I made the purchase of {$6500.00} on XXXX XX/XX/2020 during double reward period on XXXX using their credit card issued by Synchrony bank. The credit card agent and sale confirmed that I'm eligible for the 20 % reward and should have received the reward of {$1200.00} by XX/XX/2020. However i only received half of the reward and still have the other half missing which is {$640.00}. I submitted request to Synchrony resolution department in XX/XX/2020 and was confirmed by their agent in early XX/XX/2020 that i should expect the missing reward of {$640.00} in XX/XX/2020 or XX/XX/2020. Now I contacted their customer service again and they told me that they can do anything but letting me wait for 2 more months.,generalpurpose credit card or charge card other features terms or problems synchrony financial IL i made the purchase of on xxxx xxxx during double reward period on xxxx using their credit card issued by synchrony bank the credit card agent and sale confirmed that im eligible for the reward and should have received the reward of by xxxx however i only received half of the reward and still have the other half missing which is i submitted request to synchrony resolution department in xxxx and was confirmed by their agent in early xxxx that i should expect the missing reward of in xxxx or xxxx now i contacted their customer service again and they told me that they can do anything but letting me wait for more months,"['rewards', 'credit card', 'customer service']"
448,3430248,44774,Credit card debt,Written notification about debt,SYNCHRONY FINANCIAL,GA,I received a notice that a new account has been reported on my consumer report without written permission. This adverse action has affected my ability to live in a new apartment. I never have done business with XXXX XXXX XXXX and i have never gave then written permission to post to my consumer report. I never received a notice in the mail that i could dispute this alleged debt. This account needs to be removed immediately from all consumer reporting agencies. My consumer rights have been violated by XXXX XXXX XXXX not having the authority or right to post inaccurate information to my consumer report. Reported on XX/XX/2022 2022,credit card debt written notification about debt synchrony financial GA i received a notice that a new account has been reported on my consumer report without written permission this adverse action has affected my ability to live in a new apartment i never have done business with xxxx xxxx xxxx and i have never gave then written permission to post to my consumer report i never received a notice in the mail that i could dispute this alleged debt this account needs to be removed immediately from all consumer reporting agencies my consumer rights have been violated by xxxx xxxx xxxx not having the authority or right to post inaccurate information to my consumer report reported on xxxx,"['account', 'credit report', 'without consent', 'dispute', 'debt', 'violation']"
449,3430925,44896,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,MA,On XX/XX/2021 Synchrony bank/ Paypal has accessed my credit report from XXXX XXXX I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a clear violation of my rights.,credit reporting improper use of your report synchrony financial MA on xxxx synchrony bank paypal has accessed my credit report from xxxx xxxx i have never contacted or seek to get any kind of financial product from the company i have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did i authorize any current business i am dealing with to share my information with them this was a clear unauthorize use of my credit hence a clear violation of my rights,"['PayPal', 'credit report', 'authorization', 'violation']"
450,3431707,44166,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,CA,I had an account with Synchrony bank i paid for their debt protection plan on the account. I lost my job in early 2019 used the debt protection and the account was paid in full and closed. I recently got a summons that Synchrony bank is now attempting to sue me for the same debt that has already been paid off! None of my other synchrony accounts have ever been late/in collections.,credit card debt attempts to collect debt not owed synchrony financial CA i had an account with synchrony bank i paid for their debt protection plan on the account i lost my job in early used the debt protection and the account was paid in full and closed i recently got a summons that synchrony bank is now attempting to sue me for the same debt that has already been paid off none of my other synchrony accounts have ever been latein collections,"['account', 'debt']"
451,3431956,44197,Store credit card,Other features terms or problems,SYNCHRONY FINANCIAL,TX,Paid off Amazon card and it has been closed and for over 6 months Ive continued paying and I just noticed that the balance is always different. Im beginning to think this is fraudulent.,store credit card other features terms or problems synchrony financial TX paid off amazon card and it has been closed and for over months ive continued paying and i just noticed that the balance is always different im beginning to think this is fraudulent,"['Amazon', 'credit card', 'fraud']"
452,3436316,44166,Credit card debt,Attempts to collect debt not owed,SYNCHRONY FINANCIAL,PA,I opened a JCPenny 's credit card on XX/XX/XXXX. I had 1 late payment in XXXX of XXXX. I paid the debt owed in XXXX of XXXX and that was the only time I was late in 13 years. Since then I cut the card into pieces so I wouldn't use it again! Therefore I should probably cancel the card! Thank you! XXXX XXXX,credit card debt attempts to collect debt not owed synchrony financial PA i opened a jcpenny s credit card on xxxxxxxx i had late payment in xxxx of xxxx i paid the debt owed in xxxx of xxxx and that was the only time i was late in years since then i cut the card into pieces so i wouldnt use it again therefore i should probably cancel the card thank you xxxx xxxx,"['JC Penney', 'credit card', 'late payment', 'debt']"
453,3444380,44805,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,NC,accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions,credit reporting improper use of your report synchrony financial NC accordance with the fair credit reporting act xxxx account xxxx has violated my rights usc section a states i have the right to privacy usc section a section it also states a consumer reporting agency can not furnish a account without my written instructions,"['Fair Credit Reporting Act', 'violation', 'privacy']"
454,3445005,44652,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,MN,I got 2 things on my Hard Inquires that I have no knowledge of the TJx and XXXX XXXX account I know about only one in that's the XXXX me and my wife just open up account there. The other 2 I do not know about never been out of state and don't know about them places at all. So I'm looking to get them removed as soon as possible please and thanks.,credit reporting improper use of your report synchrony financial MN i got things on my hard inquires that i have no knowledge of the tjx and xxxx xxxx account i know about only one in thats the xxxx me and my wife just open up account there the other i do not know about never been out of state and dont know about them places at all so im looking to get them removed as soon as possible please and thanks,"['hard inquiry', 'TJMaxx']"
455,3550600,43586,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,TN,My complaint is against Synchrony Bank and the way the Credit Reporting Bureaus Report on my credit report after I paid a debt in full. I had a Synchrony Bankcard for XXXX XXXX. However due to a couple of job losses the creditor Charged Off on XX/XX/XXXX. I lost my job and a substantial income in XX/XX/XXXX - could not find a job until XX/XX/XXXX making way less but still had the intent to begin paying for that debt as soon as I was able. At the time I was struggling to pay a {$1000.00}. mortgage payment while existing off of {$1100.00} per month in unemployment benefits until I was able to secure employment. In XXXX a lien on my home was placed for the amount owed to Synchrony Bank for {$1200.00}. In order to pay off what I owed I had to take out a personal loan for the full amount. I paid the entire amount owed on this debt vs. settling on a lower amount. My problem is that I was told that Synchrony would remove this completely from my Credit Report - especially since I paid it in full. There was No Monies Charged Off or not collected owed on the original debt. I believe XXXX had removed the negative information ; however XXXX XXXX and XXXX continue to report negative information. Regardless that it says I dont owe anything its still being reported as In Collections/Charge Off and Payment Made After Charge Off which makes a potential creditor think Synchrony wrote off bad debt when they didnt. I paid the full amount which is why they need to remove this negative mark on my credit. Also if you look at my credit no matter how I pay on time each month my credit score remains low which gives creditors the right to charge higher interest rates. This is unfair and gouging - setting a consumer up for failure. Extending credit is the chance to pay off over time why must the consumer be gouged by higher interest when they need to continue to maintain a good score. Someone needs to re consider how a consumer whose paying on time the best they can. To say if you paid more each month goes against the agreed minimum amount. At this time Im doing everything I can to rebuild my credit from XXXX after job losses and its almost futile the way Creditors and the Reporting Bureaus treat consumers who have limited incomes but still make their payments on time after suffering hardships.,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial TN my complaint is against synchrony bank and the way the credit reporting bureaus report on my credit report after i paid a debt in full i had a synchrony bankcard for xxxx xxxx however due to a couple of job losses the creditor charged off on xxxxxxxx i lost my job and a substantial income in xxxxxxxx could not find a job until xxxxxxxx making way less but still had the intent to begin paying for that debt as soon as i was able at the time i was struggling to pay a mortgage payment while existing off of per month in unemployment benefits until i was able to secure employment in xxxx a lien on my home was placed for the amount owed to synchrony bank for in order to pay off what i owed i had to take out a personal loan for the full amount i paid the entire amount owed on this debt vs settling on a lower amount my problem is that i was told that synchrony would remove this completely from my credit report especially since i paid it in full there was no monies charged off or not collected owed on the original debt i believe xxxx had removed the negative information however xxxx xxxx and xxxx continue to report negative information regardless that it says i dont owe anything its still being reported as in collectionscharge off and payment made after charge off which makes a potential creditor think synchrony wrote off bad debt when they didnt i paid the full amount which is why they need to remove this negative mark on my credit also if you look at my credit no matter how i pay on time each month my credit score remains low which gives creditors the right to charge higher interest rates this is unfair and gouging setting a consumer up for failure extending credit is the chance to pay off over time why must the consumer be gouged by higher interest when they need to continue to maintain a good score someone needs to re consider how a consumer whose paying on time the best they can to say if you paid more each month goes against the agreed minimum amount at this time im doing everything i can to rebuild my credit from xxxx after job losses and its almost futile the way creditors and the reporting bureaus treat consumers who have limited incomes but still make their payments on time after suffering hardships,"['credit report', 'lien', 'charge off', 'unemployment']"
456,3619890,43862,General-purpose credit card or charge card,Closing your account,SYNCHRONY FINANCIAL,MI,I made on-time payments every month I had the PayPal Mastercard. I recently paid off the card and within a few weeks of the card being paid off Synchrony Financial closed the account with no warning. First they claimed it was due to inactivity- however the card was last used just in XX/XX/2019. Then they claimed it was due to a random credit review -- even though my current credit score is higher than at any time the card was open. This is shady dealing by a company and it looks like they do it all the time. There was no reason what-so-ever for this card to be closed.,generalpurpose credit card or charge card closing your account synchrony financial MI i made ontime payments every month i had the paypal mastercard i recently paid off the card and within a few weeks of the card being paid off synchrony financial closed the account with no warning first they claimed it was due to inactivity however the card was last used just in xxxx then they claimed it was due to a random credit review even though my current credit score is higher than at any time the card was open this is shady dealing by a company and it looks like they do it all the time there was no reason whatsoever for this card to be closed,"['PayPal',  'credit score', 'account closed']"
457,3621238,43983,General-purpose credit card or charge card,Fees or interest,SYNCHRONY FINANCIAL,NY,Synchrony Closed my credit card just recently without any advanced notice. Fees were issues on my account when their system was broken and on multiple occasions I was not able to login to my account. I had to change my username and Password more than 20 times and not able to connect my bank account to their credit card. I was charged total fees of XXXX as a result of their faulty technology.,generalpurpose credit card or charge card fees or interest synchrony financial NY synchrony closed my credit card just recently without any advanced notice fees were issues on my account when their system was broken and on multiple occasions i was not able to login to my account i had to change my username and password more than times and not able to connect my bank account to their credit card i was charged total fees of xxxx as a result of their faulty technology,"['account closed', 'late fee']"
458,3621581,44228,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,KS,I called XXXX to remove two inquiries off of my credit report and they refuse to help me. The two inquiries are fraudulently. The first one was from XXXX XXXX XX/XX/2019 and the second one was from XXXX on XXXX XXXX. I really need these off my credit report with XXXX. Also I reached out to XXXX to remove inquiry off my account and the refuse to help me as well. Its from XXXX sync/PayPal on XXXX XXXX also was fraudulent. Can you please help me!!!!!!,credit reporting improper use of your report synchrony financial KS i called xxxx to remove two inquiries off of my credit report and they refuse to help me the two inquiries are fraudulently the first one was from xxxx xxxx xxxx and the second one was from xxxx on xxxx xxxx i really need these off my credit report with xxxx also i reached out to xxxx to remove inquiry off my account and the refuse to help me as well its from xxxx syncpaypal on xxxx xxxx also was fraudulent can you please help me,"['hard inquiry', 'fraud', 'credit report', 'customer service']"
459,3624327,44531,General-purpose credit card or charge card,Getting a credit card,SYNCHRONY FINANCIAL,NC,On XX/XX/21 Paypal Credit who is DBA Synchrony Bank denied me my credit when i asked for a credit limit increase. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1691k. I have proof that Paypal Credit/ Synchrony Bank denied me of my own credit. Which is actually listed which sums up to an invoice {$40000.00} for said violations. ( {$10000.00} per violation which there was a total of 4 ),generalpurpose credit card or charge card getting a credit card synchrony financial NC on xxxx paypal credit who is dba synchrony bank denied me my credit when i asked for a credit limit increase adverse action against a consumer is against the law according to the equal credit opportunity act which is codified in usc c and is pursuant to civil liability under usc k i have proof that paypal credit synchrony bank denied me of my own credit which is actually listed which sums up to an invoice for said violations per violation which there was a total of,"['PayPal', 'denied', 'credit limit increase', 'violation']"
460,3627292,44501,Credit reporting,Problem with a credit reporting company's investigation into an existing problem,SYNCHRONY FINANCIAL,CA,I have filed a dispute on the incorrect fraudulent accounts inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.,credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial CA i have filed a dispute on the incorrect fraudulent accounts inquiries and public records on my credit report with the credit reporting agencies and it has been very much over xxxx days and i have not received any investigation results i want an answer immediately,"['dispute', 'fraud', 'hard inquiry', 'credit report']"
461,3630230,44927,General-purpose credit card or charge card,Advertising and marketing including promotional offers,SYNCHRONY FINANCIAL,CA,CareCredit does not make clear their promotional for health care its very misleading and confusing. Its impossible to get a live person and when I did she didnt answer questions and didnt understand. I had a balance of {$1900.00} and few days ago they added {$580.00} interest to my balance. I got no warning at all. Am low income so this is very hard on me. If I had known I would of transferred my balance to a credit card.,generalpurpose credit card or charge card advertising and marketing including promotional offers synchrony financial CA carecredit does not make clear their promotional for health care its very misleading and confusing its impossible to get a live person and when i did she didnt answer questions and didnt understand i had a balance of and few days ago they added interest to my balance i got no warning at all am low income so this is very hard on me if i had known i would of transferred my balance to a credit card,"['care credit', 'misleading', 'customer service']"
462,3651725,44927,General-purpose credit card or charge card,Problem when making payments,SYNCHRONY FINANCIAL,FL,I have not received billing statements via mail nor by email for several years. Yet PayPal Credit c/o Synchrony Bank has made withdrawals from my checking account and have let interest accrue during the same time period. After attempting contact Synchrony Bank I received the first mail correspondence in years.,generalpurpose credit card or charge card problem when making payments synchrony financial FL i have not received billing statements via mail nor by email for several years yet paypal credit co synchrony bank has made withdrawals from my checking account and have let interest accrue during the same time period after attempting contact synchrony bank i received the first mail correspondence in years,"['PayPal', 'customer service']"
463,3657475,44256,Store credit card,Closing your account,SYNCHRONY FINANCIAL,TX,Without notice and a perfect payment record Synchrony bank closed all the accounts that were in good standing. Including Paypal Credit XXXX Mastercard Amazon Prime HSN Old Navy. I have never missed a payment worked hard to make more than the minimum payments and kept the balances low. My bank can provide proff of on time and ample payments. I have increased my use of the cards in the past 6 weeks due to needing things for a new home but never exceeded my limit and again I made on time more than minumum payments. I tried to question Synchrony and they had no answer. Its a shame that hard working credit worthy people who work hard to pay their bills get treated this way.,store credit card closing your account synchrony financial TX without notice and a perfect payment record synchrony bank closed all the accounts that were in good standing including paypal credit xxxx mastercard amazon prime hsn old navy i have never missed a payment worked hard to make more than the minimum payments and kept the balances low my bank can provide proff of on time and ample payments i have increased my use of the cards in the past weeks due to needing things for a new home but never exceeded my limit and again i made on time more than minumum payments i tried to question synchrony and they had no answer its a shame that hard working credit worthy people who work hard to pay their bills get treated this way,"['account closed', 'PayPal', 'Mastercard', 'Amazon', 'HSN']"
464,3660790,44378,Other personal consumer report,Improper use of your report,SYNCHRONY FINANCIAL,AZ,Two new inquiries were reported on my credit information. One was a PayPal MasterCard and the other was something called XXXX finances. Just recently these past couple days. I did not apply or sign up for any new credit cards or loans and cant get a hold of anyone to dispute.,other personal consumer report improper use of your report synchrony financial AZ two new inquiries were reported on my credit information one was a paypal mastercard and the other was something called xxxx finances just recently these past couple days i did not apply or sign up for any new credit cards or loans and cant get a hold of anyone to dispute,"['hard inquiry', 'PayPal', 'Mastercard', 'fraud']"
465,3666021,43586,Mobile or digital wallet,Fraud or scam,SYNCHRONY FINANCIAL,CA,Hi I recently had an identity theft where the criminal opened a PayPal online credit card with my personal information. While I am disputing the fraudulent transaction charges with the company I think this company 's business practice is unethical. Here are a few reasons why I believe so. First of all the account was opened without informing me or the activation process with mail. Secondly I have a PayPal account already but they are not connecting the new account with my already existing account information what so ever such that there's no way that I can know the existence of this crime until I receive a statement. Thirdly they allowed the card to be used on the same day as the card was open. This means the criminal can take the money from this credit card if he or she obtains any identity information from personal data breach incidents while the victim has no way to know it and had to go through this painful and time consuming process to dispute with the company. What's really surprising to me is that the service representative also recognizes that the possibility of abuse in case identity theft but simply says that that's how they practice the business. I am very surprised that this kind of business practice is allowed for a well known company like PayPal.,mobile or digital wallet fraud or scam synchrony financial CA hi i recently had an identity theft where the criminal opened a paypal online credit card with my personal information while i am disputing the fraudulent transaction charges with the company i think this company s business practice is unethical here are a few reasons why i believe so first of all the account was opened without informing me or the activation process with mail secondly i have a paypal account already but they are not connecting the new account with my already existing account information what so ever such that theres no way that i can know the existence of this crime until i receive a statement thirdly they allowed the card to be used on the same day as the card was open this means the criminal can take the money from this credit card if he or she obtains any identity information from personal data breach incidents while the victim has no way to know it and had to go through this painful and time consuming process to dispute with the company whats really surprising to me is that the service representative also recognizes that the possibility of abuse in case identity theft but simply says that thats how they practice the business i am very surprised that this kind of business practice is allowed for a well known company like paypal,"['identity theft', 'PayPal', 'account opened', 'without consent', 'fraud']"
466,3819316,45047,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,TX,Between XX/XX/2023 through XX/XX/2023 my credit card was used with this business for over {$4000.00}. I have reported to the company Synchrony that these charges were fraudulent. I filed a claim with the credit card company and XXXX. Claim was denied. This is apparently an online betting service. The XXXX company refuses to give any accounting of any accounts that they have attributed to me. The company has several complaints about the same thing that happened to me. XXXX has received over {$4000.00} from this credit card in small increments within 7 days. This activity is not like any activity I have ever had with any synchrony card. This should not have been allowed to go on without speaking to me at the very least. I called the fraud department after they rejected my claim. This card per its terms of service has a protection against this exact thing and also says the same thing on the letter I received about my claim. I requested they send me what XXXX provided the bank that allowed them to deny my claim and to see what information they received I was told they had no documents and the company just said they verified my email address and simple things like that but nothing else. I was told that they had no documents they could send me to show me what information was used about the XXXX transactions that allowed them to deny claim. They said they could not send per policy. I asked that I be sent that policy. She said she couldnt. I asked who her boss was and she said she did not know. She did say they reopened the claim but I do not see any evidence that it has. The funds that I have filed a claim on are not removed from the credit card which is affecting my credit score in a negative way.,generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial TX between xxxx through xxxx my credit card was used with this business for over i have reported to the company synchrony that these charges were fraudulent i filed a claim with the credit card company and xxxx claim was denied this is apparently an online betting service the xxxx company refuses to give any accounting of any accounts that they have attributed to me the company has several complaints about the same thing that happened to me xxxx has received over from this credit card in small increments within days this activity is not like any activity i have ever had with any synchrony card this should not have been allowed to go on without speaking to me at the very least i called the fraud department after they rejected my claim this card per its terms of service has a protection against this exact thing and also says the same thing on the letter i received about my claim i requested they send me what xxxx provided the bank that allowed them to deny my claim and to see what information they received i was told they had no documents and the company just said they verified my email address and simple things like that but nothing else i was told that they had no documents they could send me to show me what information was used about the xxxx transactions that allowed them to deny claim they said they could not send per policy i asked that i be sent that policy she said she couldnt i asked who her boss was and she said she did not know she did say they reopened the claim but i do not see any evidence that it has the funds that i have filed a claim on are not removed from the credit card which is affecting my credit score in a negative way,"['fraud', 'credit score']"
467,3823973,43770,Store credit card,Fees or interest,SYNCHRONY FINANCIAL,NC,Care Credit has been inadvertently charging me a security fee. I thought maybe I signed up and didnt realize but I have family and friends who say they didnt sign up for it either. When I asked for a refund on the hundreds of dollars paid in since XX/XX/2018 they said some deadline had passed and that I could only get the last payment of {$20.00} back. They cancelled any future purchase but I did not sign up for it in the first place!,store credit card fees or interest synchrony financial NC care credit has been inadvertently charging me a security fee i thought maybe i signed up and didnt realize but i have family and friends who say they didnt sign up for it either when i asked for a refund on the hundreds of dollars paid in since xxxx they said some deadline had passed and that i could only get the last payment of back they cancelled any future purchase but i did not sign up for it in the first place,"['Care Credit', 'fee']"
468,3876096,43466,General-purpose credit card or charge card,Fees or interest,SYNCHRONY FINANCIAL,CA,Synchrony Bank is not sending my Closed Credit Card account to Collections and continue to charge a monthly Late Fee. The Balance is not correct and inflated unlawfully I believe. I will be consulting an attorney when my health improves so I can seek Arbitration as I am currently dealing with multiple health issues which are not being improved upon by the stress of this situation all as a result of poor fraud protection by this Company. I am disputing the Balance owed and want the Account sent to Collections immediately then a payment plan can be initiated after the Balance owed is Corrected. I would also like to make note of the Unfair reporting of this Account as Late since the Account is Closed and should be sent to Collections. I have bills that Synchrony Bank keep sending me showing the Late Fee and will submit if needed.,generalpurpose credit card or charge card fees or interest synchrony financial CA synchrony bank is not sending my closed credit card account to collections and continue to charge a monthly late fee the balance is not correct and inflated unlawfully i believe i will be consulting an attorney when my health improves so i can seek arbitration as i am currently dealing with multiple health issues which are not being improved upon by the stress of this situation all as a result of poor fraud protection by this company i am disputing the balance owed and want the account sent to collections immediately then a payment plan can be initiated after the balance owed is corrected i would also like to make note of the unfair reporting of this account as late since the account is closed and should be sent to collections i have bills that synchrony bank keep sending me showing the late fee and will submit if needed,"['account closed', 'credit card', 'debt collections agency', 'late fee', 'medical', 'fraud']"
469,3880277,44409,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,PA,On XX/XX/20 syncb/PayPal has placed an inquiry On my credit report that I did not authorize nor initiate They are harming me,credit reporting incorrect information on your report synchrony financial PA on xxxx syncbpaypal has placed an inquiry on my credit report that i did not authorize nor initiate they are harming me,"['PayPal', 'hard inquiry', 'credit report', 'without consent']"
470,3886066,44378,Store credit card,Improper use of your report,SYNCHRONY FINANCIAL,IL,"Lowes stated "" see if you're pre-qualified with no impact to your credit score. '' I submitted my info and within about 3 seconds I got an alert that my credit score dropped 3 points. They're lying to people! See attached screenshots.",store credit card improper use of your report synchrony financial IL lowes stated see if youre prequalified with no impact to your credit score i submitted my info and within about seconds i got an alert that my credit score dropped points theyre lying to people see attached screenshots,"['Lowes', 'credit score', 'lie']"
471,3908673,44501,Store credit card,Other features terms or problems,SYNCHRONY FINANCIAL,MN,My credit limit was decreased and I was not notified by mail. The customer service rep when I called stated that they sent an email but I did not receive that either.,store credit card other features terms or problems synchrony financial MN my credit limit was decreased and i was not notified by mail the customer service rep when i called stated that they sent an email but i did not receive that either,"['credit limit decrease', 'customer service']"
472,3910360,44256,General-purpose credit card or charge card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,IL,"Received a text message from Synchrony Bank on XX/XX/2021 at XXXX XXXX that stated : PayPal Extras MC courtesy reminder. Make payment. Pay at paypal.com XXXX. Msg rates may apply. Synchrony Bank. To opt out reply STOP Called XXXX on XX/XX/2021 at XXXX XXXX and spoke with XXXX XXXX XXXX ) for roughly eight ( 8 ) minutes who said she would put "" something '' into dispute again and she will be sending out paper statement ( s ) for this account which unbeknownst to myself is in arrears from the last CFPB complaint ( XXXX ) that was made against Synchrony Bank and NOT RESOLVED. I'd asked XXXX at first if she could email my statement ( s ) she didn't answer then proceeded to confirm my mailing address albiet she's going to send them. I'm signed up for paper statements on my account and without the card attached to the account being registered due to privacy concern ( s ) there is no way and hasn't been a way for me to log into my "" PayPal Extras MC '' and see the account. That is the status as of this morning XX/XX/2021 at XXXX XXXX",generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial IL received a text message from synchrony bank on xxxx at xxxx xxxx that stated paypal extras mc courtesy reminder make payment pay at paypalcom xxxx msg rates may apply synchrony bank to opt out reply stop called xxxx on xxxx at xxxx xxxx and spoke with xxxx xxxx xxxx for roughly eight minutes who said she would put something into dispute again and she will be sending out paper statement s for this account which unbeknownst to myself is in arrears from the last cfpb complaint xxxx that was made against synchrony bank and not resolved id asked xxxx at first if she could email my statement s she didnt answer then proceeded to confirm my mailing address albiet shes going to send them im signed up for paper statements on my account and without the card attached to the account being registered due to privacy concern s there is no way and hasnt been a way for me to log into my paypal extras mc and see the account that is the status as of this morning xxxx at xxxx xxxx,"['PayPal', 'dispute']"
473,3953956,43952,Credit reporting,Incorrect information on your report,SYNCHRONY FINANCIAL,CO,Was wondering why my score keeps going down. Found syncb/care credit showing up saying i owr XXXX. I have never given this company authorization. Written or verbal. They are reporting fraudulently. I would like them off of my credit reports,credit reporting incorrect information on your report synchrony financial CO was wondering why my score keeps going down found syncbcare credit showing up saying i owr xxxx i have never given this company authorization written or verbal they are reporting fraudulently i would like them off of my credit reports,"['Care Credit', 'authorization', 'fraud', 'credit report']"
474,4026909,43525,General-purpose credit card or charge card,Improper use of your report,SYNCHRONY FINANCIAL,LA,""" SYNCB Credit Card/ Airlines '' was added to my credit reports today XX/XX/XXXX stating I opened the account in XX/XX/XXXX. I never applied for a credit card or anything in XX/XX/XXXX at all. I fear this is fraud and I need to get it off my report ASAP. There is no amount stated and I tried calling them and I had an automated voice ask me for account numbers that I didn't know and no option to speak with a person. I have no files to attach because it is only on my credit report that will show other personal information. If you need to see my report please let me know.",generalpurpose credit card or charge card improper use of your report synchrony financial LA syncb credit card airlines was added to my credit reports today xxxxxxxx stating i opened the account in xxxxxxxx i never applied for a credit card or anything in xxxxxxxx at all i fear this is fraud and i need to get it off my report asap there is no amount stated and i tried calling them and i had an automated voice ask me for account numbers that i didnt know and no option to speak with a person i have no files to attach because it is only on my credit report that will show other personal information if you need to see my report please let me know,"['never applied', 'credit report', 'fraud', 'personal information']"
475,4028502,44044,Credit card debt,False statements or representation,SYNCHRONY FINANCIAL,NY,PayPal keeps sending me debt collection attempt emails and I believe Im the victim of fraud or and someone using my social security number because I never had PayPal nor owe anything to them. I would also get many phone calls threatening me and claiming to put me in jail ... very scary and Im really clueless as to what to do until a friend told me to file a complaint through here. XX/XX/2019 is what I see showing up on my credit reports and this is not right. Please help me this is definitely not valid,credit card debt false statements or representation synchrony financial NY paypal keeps sending me debt collection attempt emails and i believe im the victim of fraud or and someone using my social security number because i never had paypal nor owe anything to them i would also get many phone calls threatening me and claiming to put me in jail very scary and im really clueless as to what to do until a friend told me to file a complaint through here xxxx is what i see showing up on my credit reports and this is not right please help me this is definitely not valid,"['PayPal', 'social security', 'credit report', 'threaten']"
476,4032327,44896,Store credit card,Problem with a purchase shown on your statement,SYNCHRONY FINANCIAL,AL,I have an Amazon store card managed by synchrony bank and there is a charge of XXXX dollars on my credit card activity dated XX/XX/2022 and it states a balance transfer of XXXX dollars posted on my Amazon store card on XX/XX/2022 which I have NO idea where that charge came from and I never authorized that charge and I do NOT recognize that charge. Synchrony bank keeps playing with my amazon credit card account and keeps charging me money for no reason without my authorization. This is a fraudulent charge and I never purchased or authorized this charge of XXXXXXXX XXXX posted in my account on XX/XX/2022 as a balance transfer. I want synchrony bank to remove that charge immediately from my Amazon credit card account. This is an unrecognized and unauthorized charge,store credit card problem with a purchase shown on your statement synchrony financial AL i have an amazon store card managed by synchrony bank and there is a charge of xxxx dollars on my credit card activity dated xxxx and it states a balance transfer of xxxx dollars posted on my amazon store card on xxxx which i have no idea where that charge came from and i never authorized that charge and i do not recognize that charge synchrony bank keeps playing with my amazon credit card account and keeps charging me money for no reason without my authorization this is a fraudulent charge and i never purchased or authorized this charge of xxxxxxxx xxxx posted in my account on xxxx as a balance transfer i want synchrony bank to remove that charge immediately from my amazon credit card account this is an unrecognized and unauthorized charge,"['Amazon', 'authorization', 'fraud']"
477,4032731,44866,Credit reporting,Improper use of your report,SYNCHRONY FINANCIAL,MA,Amazon syncB bank is on my credit report as a hard inquiry. I never applied for anything with Amazon. I never tried to get a credit card or see my credit nothing. This is wrong or fraud. I need help please thank you. As of XX/XX/ it was put on there.,credit reporting improper use of your report synchrony financial MA amazon syncb bank is on my credit report as a hard inquiry i never applied for anything with amazon i never tried to get a credit card or see my credit nothing this is wrong or fraud i need help please thank you as of xxxx it was put on there,"['Amazon', 'credit report', 'hard inquiry', 'never applied', 'credit card', 'fraud']"