Synchrony

Company : Synchrony Bank. I held an XXXX XXXX issued by Synchrony Bank ( account ending in XXXX ). XXXX ended the program XX/XX/year> and stated in writing that unredeemed points over XXXX would be converted nto an XXXX gift card at {$10.00} per XXXX points. My XX/XX/year>, statement shows XXXX points. I earned XXXX additional points on purchases through XX/XX/XXXX. ( Calculation attached. ) Total owed : {$830.00}. No gift card has been issued. I contacted Synchrony and XXXX multiple times ; each directs me to the other and no one can account for my balance.

On XX/XX/XXXX and XX/XX/XXXX, someone hacked my XXXX account and made unauthorized order of XXXX laptops using my XXXX synchrony bank credit card totaling {$8100.00}. The first laptop was an XXXX XXXX XXXX ( value at {$3900.00} ) and was unauthorized ordered on XX/XX/year>. The XXXX laptop was a XXXX XXXX XXXX XXXX ( value at {$4200.00} ) and was unauthorized ordered on XX/XX/year>. The first laptop XXXX order number XXXX and XXXX tracking number is XXXX. The 2nd laptop XXXX order number is XXXX and XXXX tracking number is XXXX. The scammer was able to contact XXXX and had the XXXX laptops rerouted to a XXXX ( Pick & Drop off ) Onsite at a XXXX location at XXXX XXXX XXXX, XXXX, CA. The scammer faked my signature and picked up the XXXX laptops on separate days. So the XXXX unauthorized laptops were NEVER delivered to my home. I never received the XXXX laptops.…

I am filing a complaint regarding my Synchrony Bank Sam 's Club credit card. I called customer service, and a representative explicitly told me that my account balance is now {$0.00}. However, when I try to call back to confirm how this is being reported to my credit file and whether the tradeline is being deleted, Synchronys automated system refuses to route me to a live human and disconnects my calls. All calls are stated to be recorded for quality assurance. I am demanding that Synchrony 's compliance team pull the audio recordings of my recent call where the agent confirmed the {$0.00} balance. I want a formal, written statement explaining why my balance is {$0.00}, who currently owns this debt, and a directive to completely delete this negative tradeline from XXXX XXXX XXXX XXXX

Subject : Dispute of Alleged Unauthorized Online Payment and Returned Payment Fee I am filing this complaint because Synchrony Bank refused to investigate a disputed online payment and assessed a returned payment fee despite significant inconsistencies in the information they provided. According to Synchrony, on XX/XX/year>, I logged into my online account using my XXXX, added my checking account, and authorized a one-time payment of {$71.00}. I dispute these claims. My checking account was already on file with Synchrony before XX/XX/XXXX. And a successful payment had already come out in XXXX with my original checking account. I had no reason to add the same checking account again, and Synchronys own representative stated that the checking account associated with the XX/XX/XXXX activity contained an additional digit compared to the checking account that had previously been saved on my account. She was unable to explain why there was an extra digit or how that discrepancy occurred.…

XXXX XXXX XXXX XXXX XXXX purchase @ XX/XX/year> Purchased : XXXX XXXX XXXX {$4000.00} & Massage Chair {$9100.00} @ 0 % XXXX Purchased Items delivered : XX/XX/year> Found there is a double charge {$4100.00} pending since XX/XX/year>. Called XXXX XXXX no help, called Synchrony bank no help, called sales associate no response after 2nd attempt. I am over my credit limit and now my credit score is taking a hit, and the charge is still pending. I am getting credit alerts that I am over my credit limit and my score has dropped since this purchase. Please help. XXXX purchased : XXXX XXXX Bank financed : Synchrony Bank

I made my required minimum payment, and it successfully posted to my account. The only payments that were later returned were additional payments and not my required minimum payment. Despite this, Synchrony Bank immediately began placing repeated collection calls instead of providing any meaningful written communication regarding my account. I am attempting to address my account responsibly and have requested that Synchrony communicate with me in writing so I can maintain accurate records. I also requested information regarding any available hardship programs, payment arrangements, reduced payment options, or other account assistance. Instead of providing the information I requested, Synchrony has chosen repeated collection activity. I believe consumers who are making good-faith efforts to communicate and resolve their accounts should receive clear written information regarding available assistance rather than repeated collection calls.…

b'On XX/XX/XXXX 2023, I purchased a mattress from XXXX XXXX but rather than paying it all off I got the promotional finance offer. So, I got the XX/XX/XXXX synchrony home card. I got it approved but told the employee of XXXX XXXX who took care of me to set the payments accordingly, so it would pay itself off within the 24-month interest free period. XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX was supposed to set the payments for me. No good faith here. I found out that the payments were set to a minimum XXXX which I did not accord at the establishment. The only proof of the correct payment amount was handwritten by XX/XX/for XXXX on the receipt brochure. Hence, XXXX a store employee who I spoke to at the store on XX/XX/XXXX 2026, told me the payment was going to be short XXXX dollars (even if she would have set it to XXXX).…

On XX/XX/XXXX, I transmitted a written Cease and Desist and Debt Validation Demand to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via XXXX Certified Mail. XXXX confirmed receipt XX/XX/XXXX at XXXXXX/XX/XXXX Resurgent confirmed receipt XX/XX/XXXX at XXXXXX/XX/XXXX Despite confirmed receipt, XXXX transmitted collection emails XX/XX/XXXX ( Sunday ) and collection letters XX/XX/XXXX all post-Cease-and-Desist violations of 15 U.S.C. XXXX ( c ). Those violations were documented in CFPB Complaint No. XXXX. On XX/XX/XXXX, I transmitted a XX/XX/XXXXNotice of Insufficient Validation confirmed received by Resurgent XX/XX/XXXX at XXXXXX/XX/XXXX. On XX/XX/XXXX, XXXX responded to CFPB Complaint No. XXXX claiming no evidence of mishandlings and certifying compliance with all applicable laws. XXXX days later, on XX/XX/XXXX, XXXX transmitted XXXX additional collection letters cXX/XX/XXXXe XXXX (XX/XX/XXXX) and cXX/XX/XXXXe XXXX (XX/XX/XXXX received XX/XX/XXXX.…

Ive been very frustrated with how my XXXX XXXX XXXX ( Synchrony ) account balance is being handled and explained. Over the past XXXX months, Ive noticed inconsistencies in how my balances are displayed and how payments are applied. On XX/XX/year>, I paid off what I believed was the highest balance amount/current balance. Then on XX/XX/XXXX, I made another payment because I was unsure if the previous payment fully covered the month- At that time, I noticed I was unable to pay off the highest balance option, and the system would only allow me to pay the lower amount ( what appeared to be the statement balance ). The numbers did not seem to reflect clearly or consistently. I've never had that issue before and I've had this XXXX credit card for years and have been an XXXX customer even longer. And up until last month is when I started noticing my blance would not zero out even though I'm paying off the current balance every month.…

This complaint is against XXXX for serious failures in consumer safeguarding and oversight of their client XXXX ( Dispute ID : XXXX ). I returned all items to XXXX ( XXXX ) on XXXX XX/XX/year>. Merchants own records explicitly confirm this : XXXX XX/XX/year> : we can see only XXXX items shows returned. XXXX XX/XX/year> : allow us longer once item reaches the warehouse refund will be issued. These are clear written admissions. However, XXXX final response ( XXXX XX/XX/year>, ref XXXX ) is deeply contradictory and fabricated. It wrongly mixes my account with an unrelated gentlemans return on XXXX XXXX ( when I was abroad ) and falsely asserts only XXXX item was returned. I have only received XXXX credits, in direct conflict with the merchants messages, tracking data, and XXXX policy.…

I dispute the remaining balance associated with my XXXX XXXX agreement because the transaction included both goods and services. While I received the physical aligners, the services, support, and treatment-related obligations that were part of the agreement were not adequately provided or completed. The agreement did not clearly state that treatment had to be started immediately upon receipt of the aligners. At the time I received them, I was experiencing severe hyperemesis gravidarum ( HG ) during XXXX and was advised not to proceed with treatment. When I later attempted to address my treatment and account concerns, I was unable to obtain the level of support and service that I believed was included as part of the agreement. XXXX previously provided a credit of approximately {$700.00} that was applied toward the financed balance.…

On XX/XX/year> XXXX separate transactions, totaling {$270.00}. XXXX were deducted from my OnePay debit card ( issued by Synchrony Bank ). The purchases were all made at XXXX XXXX ( which I do not have an account for ). When I saw the charges were pending, I contacted OnePay to let me know I did not make these purchases. They informed me they could not do anything until the charges switched from pending to completed. A few days later, when the charges were complete, I reached out to OnePay again. They walked me through how to file a dispute, took the information and said I'd have a response shortly. A few days later they send me a decision via email that they were not overturning their decision and determined " no error occurred. '' They said if I wanted, I could provide additional information & appeal. I went through the appeal process twice & even included a copy of a local police report. I also filed a complaint with the Better Business Bureau.…

I have a PayPal XXXX account which I no longer use, so I wanted to close it. This account is managed by Synchrony Bank, so it was difficult to find the right way to handle it. First, I checked my statement to see if they have a phone number there in regards to managing the account. The statement only has one phone number listed on it : " In case of errors or questions about your electronic transfers, Telephone us at XXXX or Write the PayPal Error Resolution Department at XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX '' This shows the information about improper charges or transfers, but nothing to do with actually closing the account. I then went on the website to see what PayPal says about closing this account. " How do I close my PayPal XXXX? Please contact customer service if you want to close your PayPal XXXX. You'll need to make sure that the balance in your PayPal XXXX is XXXX before requesting its closure.It can take up to 3 days for the account to close.…

XX/XX/year> " Synchrony Bank '' keeps sending letters that I owe {$1800.00} and I have never had an account with Synchrony Bank. The number on the letter is XXXX I called and they keep asking for my nine-digit social security number

Formal CFPB Complaint and Notice of Billing Error To : Consumer Financial Protection Bureau ( CFPB ) Regarding : Synchrony Bank XXXX 's XXXX XXXX Complainant : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Statement of Account Metrics and System Mismatch I am filing this formal complaint to document critical system errors, irreconcilable ledger contradictions, and unauthorized restrictions on my XXXXXXXX XXXX XXXX XXXX account issued by Synchrony Bank. The bank 's internal processing systems are producing competing, contradictory account snapshots that prove a total accounting failure. Account Discrepancy Matrix Account Metric Field XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX Cycle ) Current Balance {$0.00} {$8500.00} {$8500.00} {$8500.00} {$8700.00} Statement Balance - {$4700.00} Not Specified - {$4700.00} Not Specified {$8700.00} Available to Spend - {$8200.00} - {$8200.00} - {$8200.00} - {$8200.00} - {$8500.00} Total Minimum Due {$0.00} Not Specified Not Specified…

Unprofitable Account Usage : Users on XXXX report a consensus that Synchrony often closes accounts for " transactors '' who consistently pay balances in full and do not generate interest for the bank. and then i talked to XXXX employees,,,,,, XXXX employees told me that synchrony wanted me to max out the XXXX dollar credit limit and force me to pay monthly payments so that synchrony can collect 33 % ENTEREST RATE and since i did not do this,,, they closed my account

I am filing this complaint because I dispute Synchrony Bank/CareCredits representations regarding account notices, electronic statements, and promotional interest charges. The company previously represented that I enrolled in electronic statements. I do not recall requesting or consenting to electronic statements, and despite my requests, Synchrony has not provided proof of my enrollment, the date of enrollment, the method of enrollment, or the email address associated with such enrollment. In addition, I have now received multiple substantially identical letters, including letters received in XX/XX/year> and XX/XX/year>, stating that the enclosed statement was sent either because I requested a statement reprint or because a prior statement was returned by the XXXX. XXXX XXXX. The letters are undated, do not specify which explanation applies to my account, and do not provide any evidence that mail was returned by XXXX.…

XXXX I took Delivery of a Dining table & 6 chairs purchased from XXXX XXXX & charged to my SynchronyXXXX credit card . Within 8 months a leg fell off of 5 of the 6 chairs. I reported this to XXXX & was told " this is normal wear & tear. '' My wife & I are XXXX XXXX, no children in the household & not grossly overweight. Evey chair isn't even sat in every day. In good faith, I attempted to directly resolve this with XXXX. I even wrote to the President of XXXX ( XXXX XXXX ) back in XXXX, & to this date have not received a response. In XXXX XXXX I initiated a chargeback request with Synchrony Bank for Quality of the product & FAILURE OF THE MERCHANT TO HONOR THEIR WRITTEN WARRANTY. I have now opened the original chargeback request plus an additional 3 appeal requests. Each time Synchrony sends me a digital letter telling me my request is denied because the Merchant has " addressed the quality concern.…

i did not sign or authorize this account. it was in XXXX XXXX 's name. ut it back in her name as i did not apply for this account

I have a Rooms 2 Go credit card through Synchrony bank. My payments have always been paid on time or in advance. I was notified today that my XX/XX/XXXX payment was past due and a {$30.00} late payment fee was applied. I called them sure that it was a mistake. They acknowledged that my payment was received on XX/XX/XXXX but stated that since the statement for XXXX hadn't been generated yet, the payment " didn't count '' towards the XXXX payment. I asked to speak with a manager. The account manager I spoke with was " XXXX ''. She reiterated that the payment wouldn't be credited to the XXXX payment and she could not remove the late fee or apply the payment correctly. I informed her that I would file an immediate complaint with the CFPB because this is a fraudulent practice to receive the payment but still claim it didn't apply to the minimum and charge late fees. I am paying the account off in full and close the account. This is disgusting, fraudulent behavior.

I filed a dispute with OnePay ( XXXX XXXX, XXXX ) on XX/XX/XXXX for fraudulent charges totaling {$44.00}. I followed all instructions and was told no additional information was required. OnePay then provided contradictory and misleading information about provisional credit, including telling me I was eligible, then possibly eligible, then that I would receive an email on XX/XX/XXXX, and then that I would only receive credit if eligible. During multiple chats, OnePay representatives used automated, copyandpaste responses, responded instantly while I was typing, and repeatedly closed the chat within seconds. One representative impersonated a supervisor, and when questioned, immediately closed the chat. When I submitted a full written complaint, it was ignored, not acknowledged, not logged, and the chat was closed again. Because OnePay failed to issue a provisional credit or resolve the dispute in a timely manner, I was unable to pay a bill due XX/XX/XXXX.…

I don't get support from Synchrony Bank. I have a XXXX 's XXXX XXXX credit card, I've had issues. Now I'm trying to close my account. They don't reply, normal for XXXX, lots of Consumer problems. I don't like their business practices. I can't understand the Agents, they don't speak XXXX, difficult to understand. I don't want any misunderstandings ; just close my account.

My name is XXXX XXXX, my date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. I am writing to address an incorrect entry on my credit report concerning an account with SYNCB/AMZN, account number ending in XXXX, which is listed as derogatory on my XXXX credit report. The reported balance is {$0.00}, yet the status remains derogatory, which negatively affects my credit score. This account is inaccurately affecting my ability to obtain credit and manage my financial health. I have not authorized any derogatory reporting for this account, and there is no outstanding balance that justifies such a status. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. This incorrect reporting constitutes a violation of the FCRA, as it does not reflect the true status of my account. I have contacted XXXX directly to dispute this incorrect information and requested an investigation into this matter.…

My name is XXXX XXXX, and I am writing to dispute an incorrect derogatory mark on my credit report from SYNCB/AMZN related to account number XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. According to XXXX, this account is listed with a balance of {$0.00} but is still reported as derogatory, which I believe is inaccurate and unjustly harming my credit standing. After reviewing my credit report, I noticed that this account is inaccurately impacting my credit score, as my XXXX score is currently XXXX. This incorrect reporting is also affecting my ability to secure favorable credit terms, which has had a significant detrimental impact on my financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report.…