SYNCHRONY FINANCIAL

2019-11-27

Palos Park, IL

Trouble using your card

Credit card or prepaid card: Store credit card

Credit card company won't increase or decrease your credit limit
Complaint: Jcpenneys approved me for a Jcpenneys Gold Card. My limit was {$500.00}. I paid {$100.00} on my old Jcpenneys card which was the basic red card. The payment was not recorded by the people that was to process my credit card payment. So I was accessed a late fee. I called Jcpenneys after I could not use my Gold Card. and I was told the payment was not recorded. so they decreased my credit limit to under 320.00. all of this happened in less than 20 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-27

Carolina Forest, SC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Company Response: In progress

Timely Response

2019-11-27

Englishtown, NJ

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: I have working with a credit repair company to remove a XXXX XXXX charge, and care credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Allentown, PA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Columbia, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: In progress

Timely Response

2019-11-26

Norman, OK

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

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

Timely Response

2019-11-26

Evanston, IL

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Complaint: I obtained a loan, which functioned like a credit card ( though I never received a physical credit card ), from Synchrony Bank. Upon paying the full balance of the loan, I asked for my account to be closed and for my personal information to be deleted. I was assured both were handled. Today, I received an email from Synchrony Bank concerning an unrelated matter of no consequence to me, other than the fact that I was emailed means Synchrony still has my personal information in their database. I would like 100 % of my personal information to be deleted, so I called Synchrony and was basically given the run around. The last person I spoke with informed me that Synchrony can't delete my personal information, but would never use it for anything. The email I received leads me to believe Synchrony may have suffered a data breach, meaning my information, along with that of thousands or millions of other people, may have been stolen. This is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

CO

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Complaint: Received 3 emails from Synchrony Bank <XXXX> 1st one stated a trial deposit has been successfully made to your ... 2nd one stated a trial deposit has been successfully made to your Amazon Creditbuilder Note : This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. This is an unmonitored email box. Please do not reply to this email. Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/. 3rd one stated that action was required on my application. I see on social media that this happened to a lot of people and it was sent by Synchrony in error. However, this is not an acceptable error as I didn't open any application. Both companies should be investigated for fraudulent activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Patterson, MD

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Complaint: I did not apply for this. Can someone please take a look at this and see if it's identity theft? Note : This email was sent to you by Synchrony Bank, the issuer of your Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, XXXX. This is an unmonitored email box. Please do not reply to this email. Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Sent card you never applied for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Bozeman, MT

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Complaint: Synchrony Bank sent series of emails that a deposit had been made to an Amazon XXXX account in my name ; I had never applied for one. Then they sent an email that was blank, and the next day they sent an apology that the whole thing was an error. My complaint is that they didnt give any way to contact them if further questions or concerns, and they didnt explain how they got my email address and what their relationship is to Amazon. Consumers should be entitled to both those
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Billerica, MA

Opening an account

Checking or savings account: Other banking product or service

Account opened as a result of fraud
Complaint: I got an email from Synchrony Bank that a trial a account was successfully set up. I called the bank and they admitted. I informed them that I did not open any account with them. After 12 hours, they sent me an email that they was a problem with their system and that I should disregard the opened account. They confirmed my information was not breached. Ive the emails to confirm this. But because banks lie all the time, I want to make sure my information was not compromised. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

PA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Received unsolicited financial product or insurance offers after opting out
Complaint: Received email from Synchrony Bank A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER. Unsolicited, called Amazon, who had many complaints, tried calling Synchrony Fraud and New Account and Customer Service. Fraud voicemail said they were closed, others waits 23 and 25 minutes and never reached anyone. Online search found hundreds if not thousands effected with similar emails. Appears not to be fraud, but Synchrony used Mt Lowes Credit Card information to apparently open an Amazon Credit Builder account which was never requested by me. What can be done to stop Synchrony from opening accounts without approval and seemingly without Amazon requesting the accounts. Cant get the truth, but it feels like the XXXX XXXX debacle all over again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Georgetown, IN

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Complaint: XX/XX/2019 I received two separate emails from Synchrony bank stating a trial deposit has been successfully made to my account. I do not have a Synchrony account. One of the emails stated it was for Amazon CreditBuilder. I attempted to contact Synchrony and they told me I do not have an account so just ignore it. I researched on Amazon forums and this appears to be a larger problem as many received the same identical email today, and most of those affected have recently used Amazon for either purchases or sales.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

South Bend, IN

Identity theft protection or other monitoring services

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Billing dispute for services
Complaint: On XX/XX/XXXX I receive three email from synchrony Bank those three email with very strange but very familiar to me I knew exactly what the email meant but two hours later synchrony Bank trying to fix the error, no unacceptable. synchrony Bank has send me a email telling me both in my account with XXXX and XXXX was A Trial deposit has successfully make to you ( me ) that was no mistake I know exactly what happened I know my legal right I'm a security party creditor was my trade name copyright ( helder-in-due-course ) I have file my ucc-1 adding ucc-3 I know it is actually my legal standard I know how Bank work but is trying to deny it is something called XXXX XXXX when you give them permission your social security number your name they all ought to go to the XXXX XXXX Bank back window and ask them for money I know that they don't want you to know that I know exactly how it works. I am a secured party creditor, helder-in-due-course. I know how the work they can not tell me that I don't know what what's that email and then later on this day that I apologize this send a email to the wrong person or I don't know. They need a good explanation for that they don't have one they can't give me one because finally they made it a mistake to send email to the account owner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Tucson, AZ

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

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

Timely Response

2019-11-26

Newport, TN

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: XX/XX/2019 RE : Unsolicited Email from Synchrony Bank that may be an indication that an account in my name has been breached (? ) Today I received 3 emails from Synchrony Bank that make no sense whatever to me. At XXXX XXXX the message was titled, " A trial deposit has been successfully made to your ... '' ( My what??? ) An additional email also at XXXX XXXX. titled, " Action required on your application '' ( I have made NO application ), and at XXXX XXXX " A trial deposit has been successfully made to your AMAZON CREDITBUILDER. '' All of the emails clearly stated, " Please do not reply to this email. '' I tried twice today to reach this bank by phone. Both times I got well into their automated telephone messaging before I was told via an automated voice that they could not handle my call at this time. I then registered a compliant through their online system but the character limitations imposed in the online complaint field made that attempt next to being useless. In a nutshell : I can not reply to their email ; I can not reach a human being by calling their Customer Service number ; and their online complaint system is so limited it is worthless. If Synchrony Bank is taking lessons from XXXX XXXX XXXX on how to FLEECE their customers this needs to be nipped in the bud ASAP. Consumers everywhere may be at risk. If I need to go testify before congress to help resolve this issue I will be happy to. I will also be more than happy to share the 3 above referenced emails with the proper authorities. Disclosure : Synchrony Bank services a Belk credit card that I have but I am not aware of any other business that I do with them. They should NOT be opening Amazon Credit in my name or requesting any action in regard to an Amazon application in my name. I would like to attach the 3 referenced emails to this complaint but my printer ink is low, thus I am unable to print and scan them tonight. If an investigator would like for me to forward the email to them all I need is an email address and they will be on their way to you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

El Dorado, AR

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

Credit card or prepaid card: Store credit card

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

FL

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Privacy issues
Complaint: XX/XX/2019 XXXX XXXX. Received 3 emails from Synchrony Bank stating A Trial Deposit Has Been Successfully Made to Your Amazon Creditbuilder, and another stating Action required on your application. I never applied for a Creditbuilder but do have a Synchrony credit card tied to my Amazon account. These emails are alarming. Has Synchrony been hacked? Can not get through to them. Please look into this!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Deer Park, WA

Incorrect information on your report

Checking or savings account: Other banking product or service

Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

NY

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Sent card you never applied for
Complaint: I received two emails, both from Synchrony Bank. They both state a " trial deposit has been made to my account. '' One is supposedly tied to my AMAZON account, I don't have a Synchrony Bank account or an Amazon Card. I did not request or solicit this " trial deposit ''. There is no information to contact this bank - only a reference to the FTC website.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Juniper Hills, CA

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Received unwanted marketing or advertising
Complaint: I received several e-mails from Synchrony Bank informing me that there had been payments received on an account which I did not make. and that there had been activity on an Amazon credit account which I do not have. I tried to contact them by e-mail and by phone but could only get an automated response which did not address the problem. I tried to contact two of the credit reporting companies which asked for my social security number via automated system. I have no Idea how to handle this problem. If some one Is using my personal information to get credit I don't know how to stop them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Caldwell, NC

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Greggton, TX

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Privacy issues
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response