Date Received: 2023-11-15
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: I purchased an online order on XX/XX/XXXX for multiple items from XXXX. The items showed up individually on my Lowes ( Synchrony ) card as they were shipped. One item in question, the patio set, charged twice. This was a charge for {$470.00}. I've repeatedly sent receipts and the online order invoice to show that this item was only ordered one time, and they continue to leave the charge on the card, saying they don't have enough information. I have re-disputed the charge 3 times now. They now report these disputes to the credit bureaus, which is unfair, and I want any effect of that removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80113
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone obtained my information and opened a credit card with Synchrony Bank/TJ Maxx credit card. I believe they rented a car with XXXX rental car company with that card. The rental car company told me they have my Driver 's License on file and that they have security camera footage of me getting in the car in XXXX XXXX. I have never been to XXXX XXXX in my life. They confirmed they had my XXXX Driver 's License on file and when they read to the # to me it became apparent that they had my former Kansas Driver 's license #. Someone also opened a Personal Loan with XXXX XXXX for approximately {$6000.00}. I have never done any business with either of these companies. I have spoke with all 3 Credit Bureau 's and 2 of them are investigating these fraudulent activities. I believe they have my Social Security Number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 812XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
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: Synchrony Bank ( DBA - Paypal Mastercard ), Has failed multiple times to resolve my dispute and acted biased to force a charge on me for the services that were not as promised by the merchant. They also have failed to provide me with any documentation or are willing to fight the dispute given the documentation I provided. I am yet to receive any documentation on how they are determining the dispute in the merchant 's favor. The bank also never sent me any forms that I can sign as I am still going to fight this dispute and I am not going to pay for the services that were not as promised. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Problem with the charge : On XX/XX/2023, I booked a rental property located at XXXX XXXX XXXX XXXX XXXX, TX XXXX through XXXX with reservation # XXXX for 4 nights ( XX/XX/XXXX XX/XX/2023 ). When we arrived at the property, soon after we realized the property was not in good condition there were prior damages toilets were clogged and overflowing, air conditioning system was not working on XXXX which was unacceptable. this was not it there were also issues with the cleaning and their dishwasher leaked in all over the kitchen. The were multiple bugs and mosquitos we saw in the bathroom and bedrooms. Cleaning was not performed and their laundry washer and dryer were in a disgusting condition that can not even be described in words. Given we were traveling with a newborn we could not risk staying with these circumstances. Starting the XX/XX/XXXX, the evening we were supposed to check in I tried to reach out to the property manager 's contact, since there was no physical office or helpdesk, I called the phone they provided and no one ever answered the call or acknowledged the voicemails I left. When I didnt get any response from them, we decided to spend the night at our friends house. The next morning XX/XX/XXXX when I went to see if they fixed anything, nothing was fixed other than they cleaned the water leaked from the dishwasher. That means someone was there to look at the issues but they did not reach out to me or resolve the essential/critical issues such as toilet/air-conditioning/bugs etc. This ruined our whole vacation and given the situation, there was no way anyone could stay in the property. After allowing ample amount of time in good faith to resolve this issue when things were still the same, I requested them to cancel or arrange another location for our stays however once again they did not reach out for any assistance or offered any help. As we left the property around XXXX XXXX on XX/XX/XXXX, I never heard any response back from the merchant regarding the cancellation or refund and they didnt answer the phone calls or my email when I tried to follow up on the refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 789XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
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: I have attempted to resolve this issue on numerous occasions with the Care Credit card that is issued by Synchrony Bank. I made a standard purchase on XX/XX/2023 in the amount of {$120.00}. I made a payment in full on XX/XX/2023 in order to avoid interest and to remove the standard purchase from what is owed in total. I contacted Care Credit and had them allocate the payment to this purchase. It appears the allocation posted on XX/XX/2023. I have highlighted these transactions on the attached statement. I have contacted Care Credit by chat and by phone several times. Each individual tells me they have resolved the issue but the balance has yet to be cleared. As of today, the purchase is still open with a {$39.00} balance and I am being charged interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
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: In XXXX of 2023, I purchased a bicycle and bicycle engine from XXXX for the price of {$1100.00}. When the merchandise arrived, it came irreparably damaged. I contacted XXXX for a return or refund, only to find they do neither. They only offered replacement parts. However, replacement parts will not solve the issue ; I was sold a product that was not as advertised ; the bicycle and bicycle engine do not fit together, the bicycle frame is missing parts, and the engine does not work. I have tried to dispute this purchase with the financing bank 4 separate times now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03103
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/23 - Payment in full of balance on XXXX XXXX account through Synchrony Bank as reported to me by Synchrony Bank ; XX/XX/23 - Due date for payment on account ( minimum amount due ) ; XXXX?? XXXX - Synchrony Bank XXXX to me that my bank XXXX XXXX XXXX XXXX XXXX requested a stop payment and Synchrony Bank issues a stop payment fee ; my bank, XXXX, does not charge me a fee for stop payment due to my status with XXXX ; I was asked by text communication by XXXX if I approved request for payment of the amount of {$1000.00} and I replied no since full payment had been made on XX/XX/23 ; Early XXXX date, XX/XX/23 & XX/XX/23 - XXXX attempted to discuss the late fees, additional interest charges, a refund fee from Synchrony Bank without resolution due to Synchrony Banks refusal to take responsibility for their systems inaccurate operation I paid the full balance on the account prior to the due date and as of today I have a {$73.00} balance, which by all sane right I should not be responsible for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Hi Madam/Sir This Complaint are against XXXX. I had pull a Credit Report and noticed that ; XXXX - XXXX XXXX show XXXX XXXX bankruptcy discharged ( the payment plan with creditors were completed ) within updated date XX/XX/2023. I was not approved for an Amazon StoreCard on XXXX by Synchrony Bank based on information from XXXX, " Bankruptcy proceeding, credit counseling or creditor settlement '', well, this phrase are present sentence! Looks the XXXX representative should always read and share the correct information on records to Synchrony Bank or any other Credit Institution. I believe my Credit were affected. Honestly I don't know what actions CFPB can or may do against XXXX, one thing I wish are XXXX to become more careful sharing information. Sincerely XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am a XXXX citizen on a fixed income and back in XXXX of XXXX, I financed gutters from Synchrony Bank. My monthly payments are {$150.00}. My payments began in XXXX of XXXX. In the beginning everything was fine as I sent my payments by mail to them. In XXXX of XXXX, I received a text from them saying they never received the payment, so I immediately called them and made that payment. At that time, I set up automatic withdrawal with them. In XXXX of XXXX, they took {$180.00} from my checking account, claiming I owed them a late fee. In XXXX of XXXX, I received another text message from them stating that they did not receive the payment. They told me the payment was declined. I contacted my bank and was told Synchrony Bank never tried to retrieve the payment. So again, I paid them over the phone. In XXXX of XXXX, they charged me {$190.00} including the late fee. So, I stopped the automatic payment, because I felt at that time, they were just taking my money because they could. In XXXX, XXXX and XXXX of XXXX I made a payment by their automatic system, and everything was fine, except when I made my XXXX payment, they tried to charge me a late fee for a late fee. They said I was late on my payment in XXXX, but I was not late. I made my payment on time I just didn't pay the late fee until a later date. I felt I didn't owe it to them, but someone told me if I didn't pay it, they may charge me interest on it, so I paid it at a later date. When I spoke with Synchrony Bank, they told me I had to pay a late fee for a late fee. I questioned that and asked, " how can you charge me a late fee for a late fee '' and they dismissed the late fee. On XX/XX/XXXX, I submitted a payment to Synchrony Bank on my debit card, but a few days later my card was stolen. So, I had to cancel that card. Knowing that I made a payment with my debit card I immediately reached out to Synchrony Bank and tried to make a payment with my checking account. That was on the XXXX of XXXX. Thinking the payment was made on the XXXX I didn't think nothing else about the payment until XX/XX/XXXX when I checked my account and noticed the payment had not been taken out. I then reached out to Synchrony Bank and the gentleman I spoke with told me the payment had a stop payment on it.I asked " how '' when I approved the payment. Again, I reached out to my bank, and was told Synchrony Bank never submitted anything for payment. Needless to say, the payment for XXXX was never made and of course they are charging me a stop payment fee, that I refuse to pay. I really started thinking that this bank is trying to scam or take advantage of me, so I reached out to different agencies who I thought might be able to help me, and I was referred to your office. I made a payment on XX/XX/XXXX, in the amount of {$310.00} and that's because I refused to pay the stop payment fee because there was no stop payment fee because I didn't stop payment on it. So, now with all that being said, is there something you can do to help me with this situation? When I paid by mail, they claimed they never received their payment, and I was charged a late fee, when I set up an automatic withdrawal, they claimed the payment was rejected and that resulted in late fees, when I called and made payments, they claimed the payment was stopped and that resulted in a stop payment fee. So, no matter what way I tried to make a payment to them, it is always a problem and I'm always being charged late fees. I have proof of every payment I have made to them. Please reach out to me if there is anything else that's needed. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hard Inquiries on my XXXX credit report that were not applied for by me, and hard Inquiries on my XXXX credit report that are for companies that I don't have a credit account with. XXXX XXXX XXXX syncb XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10451
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Well, I already reached out previously about unrecognized credit reports on my account. I got a XXXX point deduction on my XXXX and after reporting this to you guys the ( Consumer Financial Protection Bureau ), the case was resolved and I got my XXXX points back on XXXX. But then on Thursday, XX/XX/2023, upon checking my credit score again, I still saw another XXXX point deduction on my XXXX for no reason. And the hard inquiry from XXXX XXXX which they got back to me saying they would remove is still on my credit report. I will attach the document they provided. And I wanted to kindly ask if you could restore the XXXX points that were deducted again on XXXX as well as remove the hard inquiry from XXXX XXXX XXXX I've had no late payments on my credit and I'm still working hard to ensure that no payments are turned in late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A