Date Received: 2023-11-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX : Made an in store purchase of a sofa and its matching ottoman totaling {$2000.00} using a company credit card in which I was approved for during this same purchase. I was instructed by the store manager that he could get the sofa delivered for next round of deliveries happening on that Friday. On XX/XX/XXXX : I waited all day for the delivery. I kept calling the delivery dispatch for an eta. I was told the delivery truck would call me at least 30 minutes prior to arrival. The evening approached, I called back and the representative then told me I was never receiving a delivery that day. I called the store and was told all the pieces werent available to deliver so it was never scheduled. This wasnt communicated to me before spending all day waiting for another delivery. On XX/XX/XXXXXXXX : I emailed the contact provided to me for Ashley furnitures management. I wanted to discuss how I was given a delivery date that was upheld without any communication alerting me and was given false information. That email was never responded to. XX/XX/XXXX : The delivery truck arrived to my home. I had to await the opening of the correct entrance by the security at my home. The driver could not wait and left without delivering. XX/XX/XXXX : delivery was rescheduled to happen this day. It is being alleged that the sectional was delivered to me. I believe it was done so to the incorrect unit as I never received the items. I called the store, spoke to a manager again and instructed to just cancel the order as I never received the item and its been too much of a hassle. I was told the item isnt returnable nor could I receive another delivery. I am at this point being told Ill remain charged for an item I never received. To note : the photo provided to me by XXXX XXXX shows the sofa in a different unit that mine. A representative named XXXX advised me that the signature made at the delivery time did not match mine. The photo taken by the delivery team does not identify the correct unit number as they did not photograph that key information as well. Essentially a neighbor interceded my delivery and kept an item Im being charged for. I contacted my local authorities to make a report and they advised me I needed proof for a report. I again contacted Ashley furniture. On XX/XX/XXXX : I contacted Ashley furniture for their supporting proof of the alleged delivery. They refused to send it to me and advised me to contact synchrony bank for further assistance with the matter. On XX/XX/XXXX : I mailed a letter to the address provided by synchrony bank ; explaining the situation, requesting an investigation and the proofs of delivery. This request went unanswered. I proceeded to call synchrony to open a dispute. I was told a dispute had been created. In XXXX of XXXX I was still billed and proceeded to call synchrony bank again. At the end of the investigation, the findings left severe inaccurate derogatory late marks and a charge off on my credit report. I submitted multiple disputes with the crediting over the course of a year and 8 months. On XX/XX/XXXX : after reviewing my credit report I contacted both synchrony bank and Ashley furniture to further investigate. XXXX XXXX of Synchrony bank advised me another dispute of the charge would be opened and that she could not provide me with the alleged proofs of delivery. XXXX at the XXXX location advised me that shed have to direct me to the correct store I purchased the sofa from but the signature on the proof of delivery did not match my signature made at the time of purchase. She then transferred me to the correct XXXX store I purchased from. I received a voicemail and proceeded to look up the number to the customer service of Ashley furniture. On XX/XX/XXXX : I was directed to XXXX XXXX via phone of the collections department at the corporate headquarters. I explained the situation and told her I needed a copy of the alleged signed proof of delivery as I had previously been altered that the signature didnt match mine. She responded by telling me she could email it to me but that non matching really doesnt matter as her electronic signatures look different all the time. I then proceeded to ask her to exchange photos as I was sure the one they have did not match my unit. I texted a photo of the kitchen as I searched for other photos of the home as I dont live there anymore. She responded to me with the photo of the delivery and I texted her a photo taken in my unit of both the replacement sectional I had to purchase and the background from the the living room. The backgrounds do not match and its clear the sofa was delivered to a unit different from the one I lived in. She had to speak with her manager named XXXX and give me a call back. She called me back within the same hour and let me know that although the photos do not match, theres nothing they could do. I proceeded to remind her to email me the signed proof of delivery as she previously stated shed do and she told me yes, Ill send it by tomorrow morning. I then asked if I could myself speak with the manager she spoke with, she told me no. I asked whats the reasoning, she told me she was in a meeting. She also told me the manager advised me to contact XXXX XXXX for further assistance. I asked what would I contact XXXX bank for? She then apologized for her mistake and that she meant synchrony bank. I asked how can I contact Ashleys corporate office. She gave me a number to call. I confirmed one last time that shed send me the signed proof of delivery before we disconnected the call. XX/XX/XXXX : I called the phone number XXXX provided me to contact their corporate office. I was given an email address. This was the same email I sent a request for assistance to with this matter months ago as never received a response. I still send another email requesting assistance and a follow up. I also submitted a request over the phone at this time for a return contact from the corporate office. I was instructed that someone would give me a call back within 24-48 business hours or 1-2 business days- she wasnt certain which one. XX/XX/XXXXXXXX : XXXX XXXX followed up with me via email. But instead of sending the document I requested and she agreed to sending me, she sent me the original proof of purchase that I signed on XX/XX/XXXX, not a signed proof off delivery. I then reminded her this wasnt the form she agreed to send me, she then proceeded to be untruthful in response and tell me I didnt request a signed proof of delivery but that I requested a proof of purchase which is totally untrue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I began to use the credit card that was offered to me and as I used it I made payments so as not to have to pay interest and maintain good use and management, but the last payment received was not credited to the card since it is under investigation and if it will be made further payments will not be credited to the card until they determine to credit it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00921
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A credit card was opened up fraudulently in my name through Ashley Furniture. Their partner bank that services the cards is Synchrony Bank. On XX/XX/2023 I became aware of the identity theft as XXXX XXXX XXXX had sent me a letter trying to collect a debt owed to Synchrony Bank. From there I took all the required steps to report Identity Theft but to this day I can not get ahold of Ashley Furniture to close it through them. Synchrony Bank Solutions reviewed my claim and found the Ashley Furniture account was not opened by me. As a result they were suppposed to shut down the account and clear myself of all responsibility on XX/XX/. On XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX attempting to collect the same debt from Ashley Furniture for their client XXXX XXXX XXXX, XXXX. I explained to them that this was already declared fraudulent activity and I was cleared of all responsibility but they informed me that their client purchased this debt and hired them to collect it. They would not allow me to report it as Fraud and instead gave me a payment option. On XXXX I received a letter in the mail from XXXX XXXX informing me that they are also a partner bank to Ashley Furniture and that I need to file a declaration of fraudulent activity with them as well. XXXX XXXX allowed me to submit the required documentation to start my fraudulent claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, I submitted a {$1000.00} payment to my XXXX credit card. The money was withdrawn from my checking account and as of this complaint, the payment hasnt been applied to my credit limit. The response from XXXX is completely illogical and unacceptable, as they havent adjusted my credit limit to reflect the payment. They informed me it could take another 7 days to post/reflect. I have {$20000.00} and {$30000.00} limits with other card issuers and a perfect payment history. Its unfair and borders on discriminatory for a credit card provider to accept the payment then take weeks to adjust the credit limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30549
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Paypal credit card is holding funds for long periods of time after payment is made. Payment of XXXX was made on XX/XX/XXXX and funds will not be released until XX/XX/XXXX because the " system '' declared it unusual. When I talked to paypal they said i should just make the minimum payment. XXXX dollar credit limit does not go far in todays world and when the card is bricked for over half a month because i payed it off like a good credit user i am being punished. They are holding XXXX of my money hostage and using it for their own gain. Last month in XXXX they did about the same thing and held money for 10 days after paying off the card once using it. To sum up paypal is holding payments and basically shutting down my card because im buying things and paying them off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16801
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I got credit carded to buy some tires through XXXX XXXX XXXX via synchrony bank. I before the 6 months was done they closed the card. I had one month left. The also charged XXXX $ in interest, I called them and they told me that I was not eligible for any more credit. I told them that was fine but why did you cancel my account? Because the promotion was over ok I guess thats what they were saying but that I could still pay the remaining balance and get the interest free. So I did so however they did not remove the interest and they are charging me XXXX $ a month late fee. They call me all the time. When I try to address this they hang up on my. They text, called leave prerecorded messages all the time day and night non stop. I will not pay them because I do not owe them. They also speak really poor English and I having a slight hearing defect can not make out half of what they say.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I went to discount tire at address XXXX XXXX XXXX XXXX. XXXX XXXX, ok and applied to get a loan for tires. They use Synchrony bank to either approve or not approve. I was not told by dicount tire nor Synchrony they would be running a hard credit check but a month later my credit dropped heavily and it affect my other loan company 's as well XXXX would loan me up to XXXX dollars to XXXX on my auto work done at XXXX XXXX after Snchrony hard credit check now they will only approve XXXX to XXXX dollars where's before it was XXXX or more.that is fraud and wrong to be deceptive Noone said a thing about hard credit checks but this has affected my credit score in a negative way it just not right to fraud consumers and not reveal that information first.something must be done to fraudulent banks who decieve consumers like discount tire and synchrony did to me thank you for taking the time to read my story
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Recently, I discovered discrepancies and unauthorized charges on my accounts, which have led to an inflated balance that does not accurately reflect my financial responsibilities. Upon thorough inspection of my account statements, I have identified AMAZON STORE CARD that I did not authorize or recognize. It is evident that my accounts have been compromised, leading to these charges. I want to emphasize that I do not owe the current inflated balances on my accounts. I am kindly requesting your immediate attention to rectify this matter by removing all unauthorized ACCOUNTS FROM COLLECTIONS. It is crucial that my accounts reflect only the legitimate and authorized transactions that align with my financial activity. I understand the gravity of this situation and the impact it can have on my financial stability. Hence, I am diligently working to secure my identity prevent any further unauthorized access. I kindly ask for your cooperation and support in this matter to expedite the process of resolving these discrepancies ' am committed to providing any necessary documentation or information to assist in the investigation and correction of these unauthorized charges. I sincerely appreciate your prompt action and attention to this urgent matter. Please confirm receipt of this letter and provide me with the necessary steps or procedures to resolve this issue at your earliest convenience. Thank you for your immediate attention to this critical issue. XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: first, I did not apply for a Sams Club credit card. I was shopping at Sams Club, when I was at the register the cashier says to me that I was approved for a XXXX credit limit. I accepted. I spent about XXXX dollars. After that I had not spent any more just made the payments on it every month.I received the credit limit XX/XX/2023 and they took it down to XXXX dollars in XX/XX/2023. The reason I was told that not because I didnt pay them, but because I dont have enough credit limit on my cedit and I have imperfections on my Credit score. And also I paid on time, but since the payment does not post for a couple of days that made me late. I did not find this out until I spoke with someone at Sam Club.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65714
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I originally filed for a Care Credit card due to not having insurance and needing assistance with paying to have procedures done. I used the card a few times and was making my payments as usual. I then began to notice that my payments were not going down but instead going up. I had some items on there that were to pay before a certain time frame or the interest would apply from the time that the payment occurred. And then there were others that you just paid on as you went. The payments were not going on the ones that had the time frame even if they were at the top of the list but instead to the other ones. I tried to call and make payments over the phone. Either no one answered after being on hold for hours or I was told that they could not assist me. I kept making payments and now I have over {$2000.00} in interest. I have tried to call several times and ask to speak to a higher manager or someone in the HR department. I'm always told the same thing. Someone will call me or email be back and no one ever does. I try to follow up and its like I never made the fir4st call or there is no record of it. I am a single mom and my hours have been cut at my job so I only make {$300.00} a week. I have paid way more than what I should have and still have so much left in interest when if it would have been applied to the correct payments in the first place everything would be paid off by now. I am at a loss of what to do and they now been sending this to the credit agencies so my credit is declining fast.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A