SYNCHRONY FINANCIAL
Consumer Complaints
There are over 24770 complaints on file for SYNCHRONY FINANCIAL. Dated between 2019-12-11 and 2011-12-01.
Complaints Page 9
2019-11-23
TX
Unable to get your credit report or credit score
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Other problem getting your report or credit score
Complaint: On XX/XX/2019 I was routed to an employee with XXXX by the name of XXXX employee ID XXXX. When I attempted to find out why my credit score went from XXXX to XXXX, because the notification stated that the " consumer disputed the account '' which I knew this was not true he advised me that in order for me to obtain that information. I would have to pay {$15.00} to receive my credit score verbally or to have the remarks read to me that were left on my credit file.
I immediately stated that I would like to speak to a representative in the United States. Every time I call XXXX I am routed to an International representative. XXXX employee ID XXXX routed me back to the United States in order for me to get the information that was requested, but upon obtaining that information. I found that the remarks were reported incorrectly neither I or my credit card provider had reported that I was disputing the entire account.
When I contacted XXXX I couldn't even get anyone on the phone they have an automated systems that refuses to put you into contact with any live representative.
Regarding Synchrony Bank. I would like to know why they are changing accounts numbers on accounts that if ever need to be referenced would no longer exist under the same account number?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-11-23
Gloucester City, NJ
Getting a credit card
Credit card or prepaid card: Store credit card
Card opened as result of identity theft or fraud
Company Response: In progress
2019-11-23
Ogden, UT
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Company Response: Closed with non-monetary relief
2019-11-23
Las Vegas, NV
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: This is my last attempt to rectify this situation with Synchrony Bank before seeking legal action. I have disputed this information numerous times also sending a FTC affidavit to the credit reporting agencies with my dispute and in return i receive this pre-made response stating " VERIFIED ''. I have reached out to Synchrony Bank concerning these accounts and no one could find the accounts. My name and address does not match any information in your system nor have I called Synchrony Bank to give any of my personal information to anyone at Synchrony Bank including demographic information. Credit reporting agencies do not do a thorough investigation. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am a nevada resident and have been for over 10 yrs. I am requesting a credit agreement with my signature, a signed application, proof that I was the one who agreed to open the accounts, I want to know how was the account opened was it online or in person, I want to know was there a utility bill of some sort sent in for verification, was there a passport or id sent in both are acceptable for verification. The burden of proof is not on the consumer if the consumer did not open the account. The consumer will have nothing to show if the credit account is due to identity theft. The accounts that are in question : XXXX XXXX XXXX of XXXX and walmart XXXX of XXXX. I do not have a credit card number to any of the accounts so I can not give information to something I did not open nor do the credit bureau have an account number on my report at least not a full one. Do not attempt to change the address in your files to match whats in your system. My Nevada address is solely for you to correspond with me. If XXXX XXXX attempts to do so this will be considered fictitious malpractice on XXXX XXXX and I will contact the Federal Trade Commission and the Attorney General Office.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-11-23
Boston, MA
Closing your account
Credit card or prepaid card: Store credit 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
2019-11-23
Chula Vista, CA
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: I have attempted to fix fees charged through sams club credit account handled by synchrony bank, by calling, in, and I always get representatives in another country who can barely speak English. I went ahead and just called this morning, since I received a late statement. Making my payment late and their rhetoric, is to repeat the most recent information on the card. I asked about the fees and she simply brushed me off. I requested a change of address and she placed me on hold over 10 minutes. This is unacceptable. I need customer service in the US or a creditor that will actually service the needs of the public before placing the needs of the bank first.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-11-22
Charlottesville, VA
Getting a credit card
Credit card or prepaid card: Store credit card
Application denied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-11-22
Bronx, NY
Closing your account
Credit card or prepaid card: Store credit 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
2019-11-22
Adelphi, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-11-22
Bronx, NY
Closing your account
Credit card or prepaid card: Store credit card
Company closed your account
Complaint: I HAVE MADE ALL PAYMENTS ON TIME AND THIS COMPANY LOWERED MY LINE OF CREDIT AND THEN CLOSED MY CARD WITHOUT NOTIFICATION.
THIS CLOSURE IS CAUSING ME TO HAVE A BAD CREDIT SCORE AND CAUSING ME FINANCIAL DISTRESS. I CAN NOT GET A LOAN OR A MORTGAGE DUE THIS CLOSED ACCOUNT ON MY CREDIT REPORTS. THIS ACCOUNT WAS CLOSED IN GOOD STANDING WITH NO MONEY OWED.
PLEASE REMOVE THIS CLOSED ACCOUNT FROM MY CREDIT REPORTS SO ME AND MY FAMILY CAN MOVE ON WITH OUR LIVES. THIS IS POSSIBLE AND CAN BE DONE IN GOOD FAITH. I WAS A GOOD CUSTOMER AND I PAID ALL MY BILLS.
PLEASE REMOVE THIS OLD ACCOUNT FROM MY CREDIT REPORTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-11-22
Augusta, GA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
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
2019-11-22
Holland, MI
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Card was charged for something you did not purchase with the card
Company Response: In progress
2019-11-22
FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: The amount was paid in full through my financial institution bill pay on date due. The account number was changed. Synchrony Bank/SteinMart was able to submit and withdraw the full amount. A phone call was made to representative, XXXX ID # XXXX on XX/XX/2019 waiving the fees. However fees continue with finance and and interest charges to date. Two written letters have been sent to the company with explanation. I explained that I will not accept phone calls only through written documents. I continue to ONLY receive billing statements no written letter. I always pay this account in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-11-22
Sebring, FL
Problem when making payments
Credit card or prepaid card: Store credit card
You never received your bill or did not know a payment was due
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-11-22
Boloxi, MS
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: Purchase was made from XXXX on XX/XX/XXXX using PayPal Credit Card. It was placed online for some cat shelves. The amount is {$640.00}. Item will not be shipped until XXXX XXXX. I cancelled and requested refund. This was denied. I was told I would have to receive item and return it. I would get a refund 30 days after it was returned. I was not told it would take this long to receive it or the return policy. I disputed the charge with PayPal Credit Card through PayPal and Synchrony Bank. I have sent faxes and mailed dispute form. It has been ignored.
This is a lot of money for me. I can't afford to lose that money or be without it for this extended period of time. I'm on a fixed income and am XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-11-22
NC
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: Syn/Walmart account number XXXX is reporting to XXXX that I owe {$1100.00}. The problem is, I spoke to an agent at the bank and he could not give me the date of first delinquency. He mentioned the date the account was charged off as XX/XX/XXXX. According to his / their bank records they are saying the account should fall off the credit reporting agencies like XXXX, XXXX and XXXX in seven years on XX/XX/XXXX. However, this is not valid if the " date of charge off '' is months or even a year from the very first date I was late and/or missed a payment and never did get caught up. Therefore, this account could fall of my credit report as early as NOW. The bank can not and will not give me the proper information of delinquency, thus reporting this account to XXXX, XXXX and XXXX as incorrect and making this account more damaging becasue it acts newer when trying to receive credit from business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-11-22
Eagan, MN
Managing, opening, or closing your mobile wallet account
Money transfer, virtual currency, or money service: Mobile or digital wallet
Company Response: Closed with explanation
2019-11-22
Scottsdale, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-11-22
Hassard, MO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: In progress
2019-11-22
Santa Ana, CA
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: Amazon Prime Store Card issued by Synchrony bank has been charging me a Security fee without my permission.
This has been going on since i opened the card XXXX of this year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-11-22
NV
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Reporting company used your report improperly
Complaint: I tried calling the company listed on my XXXX that did a hard inquiry without my authorization I did got the run around the company didn't exist I got sent to synb bank they said I had to go back to XXXX I keep going in circles and I need your help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-11-22
AL
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: On XX/XX/2019, a Cashiers Check was sent to Synchrony Bank to pay my existing balance of {$1300.00}. On XX/XX/2019 I called the company to inquire why the payment had not posted. They said the check must have been lost in the mail. On XX/XX/2019, the bank put a stop on the first check and created a new Cashiers Check and sent it XXXX which was received on XX/XX/2019 by Synchrony Bank. On XX/XX/2019, both checks were deposited but I was only given credit for one. When the " stop payment '' check was returned, they reversed my payment. I have called them multiple times in an attempt to correct the issue. My bank wrote a letter and included copies of both checks and the status of each. To date, Synchrony Bank still shows me owing a balance of {$1300.00}. The people at customer service see the issue and agree with me but the payment processing group WILL NOT fix the problem. They will not give me credit for the check which did clear the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-11-21
KY
Other features, terms, or problems
Credit card or prepaid card: Store credit card
Other problem
Company Response: In progress
2019-11-21
Cheshire, OR
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-11-21
Milwaukee, WI
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Complaint: Attempted to request information on debt they claim I owe from the collection agency working for Synchrony Bank. Nothing received that validates debt! Synchrony Bank has now motioned a law suit against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation