Date Received: 2023-11-17
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: My credit limit was drastically reduced. {$3000.00} to {$300.00} due to a routine credit check. The reasons given were inaccurate and some of the things mentioned were present when the account was approved which makes little to no sense. Payments made on this account were never late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27527
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, Synchrony closed all credit cards I have with them. I estimate I have XXXX cards with them. I called and they said I am risky, but this is general and not true. I was never late on any of my loans. My credit score is XXXX. There is no rational reason for them to close my accounts. I depend on these credit cards because they do not have the same legal protection using debit cards and cash versus credit cards. Also, due to them closing my accounts I lost a significant amount of buying power for XXXX XXXX shopping to spread out the buying to not max out one card and significantly decrease my credit score. The closing of ten credit cards will significantly decrease my credit score and it appears they maliciously intended to offer me credit and allow the credit bureau to take note of the newfound buying power and the lack of consuming it to allow them to increase my credit rating to new heights just to bring it down to low numbers where I can not finance a car or home and if I can at a high interest rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
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: Synchrony bank who holds HSN accts does not allow online viewing of statements & i do not receive them in mail from post office. Online keeps saying they are coming soon, but had been that way for XXXX months. All i am able to see is total balance & payment due, no other info is shown such as interest charged & previous balance etc. i want to see this info
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90505
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: 2023-11-16
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Hi we purchased XXXX for our house. The salesman came to the house. He measured and told us what we needed. We agreed and the salesman offered interest free payments. We signed up and they installed the XXXX. The installers were sloppy and drove in our yard. But the boss sent another team to fix things, clean up, etc. So we made our payments. We checked on line to see when we were done making payments. We found our that our balance went from XXXX XXXX to XXXX XXXX. When I called they told me the interest free time period had expired. The new rate is XXXX percent. I asked how that could happen. We didnt pay enough in the first XXXX months to pay off the loan We need help in resolving this. I guess we were too naive and trusted the salesman.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In XXXX of XXXX, I purchased two air conditioners from XXXX. XXXX. These air conditioners were purchased under a promotional time period, no interest until XXXX of XXXX. As of XX/XX/XXXX, by balance was almost below {$400.00}. When the promotional period was over, I was charged and interest fee of {$1600.00}. This brought my bill back up to over {$1000.00}. I was under the impression that interest would resume on the current balance due at the end of the promotion. Instead, they charged me with two years of back interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Dear Sirs, I am a XXXX XXXX XXXX American citizen. A few months ago, I received an email inviting me to do an online survey, and as a reward, I would be given XXXX products for free. The only thing I would pay is the shipment. I chose a small food processor, made of XXXX, that never worked, and I had to throw it. The other item was a box of low-quality tools, also made of XXXX. I never used it, and it is still sitting on a shelf in my workshop. I have been charged about XXXX dollars shipment!!! I was obviously frustrated and promised myself to never fall again to the online surveys of scamming companies. A few weeks later, I received a bill from Synchrony bank charging me {$58.00}, and {$80.00}, I do not remember the cents! I called XXXX to find out where these charges came from! After being transferred here and there, and wasting lot of hours on the phone, re-explaining what happened, to every person I have been transferred to, I finally got someone who told me that I need to call Practitioner Stationary, a warehouse retailer located in California. I called and asked an agent where these charges came from! He told me that I have been charged {$80.00} for a {$2000.00} dollars online credit that was sent to my email address which was a lie because I had never received anything like that. Regarding the other charge of {$50.00}, he said that it was the cost of an online gym software!! By the way, being a low-income senior citizen, with special needs, my XXXX XXXX XXXX XXXX me to go to XXXX gyms, totally free. I told the agent to immediately refund me the money to avoid reporting this Practitioner Stationary to the CFPB, FTC, and FBI. He hurried and refunded me the money. I thought that this bad experience was over, but I was wrong. I started receiving bills from XXXX and Synchrony bank nonstop claiming fabricated charges of $ XXXX ; $ XXXX, and lately $ XXXX I called XXXX to report these fraudulent charges, and asked them to cancel my credit cards, and XXXX XXXX, at once. But it was to no avail. They kept my XXXX credit card active, and kept receiving these ghosts bills I called again and again, very frustrated, and a XXXX agent told me that I do not owe anything, and at the contrary, XXXX owes me {$33.00}. They sent me a cheque number XXXX, dated XX/XX/2023 and I cashed it. But again, it wasnt over. They kept sending me bills. I tried to ignore them. But, after I have applied for a limit increase with my XXXX credit cards : XXXX and XXXX, my request was denied, despite my excellent relationship with these institutions. Thats when I suspected that Synchrony bank had reported me to the credit bureau, ruining my score credit Besides, I have never bought anything from XXXX, and I challenge this company to show me any receipt or purchase agreement for the charges they pretend that I owe them. I am exhausted and stressed out by these companies and their foul play and the crooked merchants they work with. I count on your kind assistance to STOP XXXX and Synchrony, and the messed up, incompetent foreigners they hire to DESIST FROM HARRASSING me with nonstop emails claiming this and that By the way, and after I told them that my legal name is XXXX XXXX, they sent me a credit card using my Aka name XXXX XXXX, as XXXX, and this added more hassle and hours of time waste. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70706
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: My Car Credit Account spending limit was reduced. The account was opened in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the original credit limit of {$1700.00} was reduced to {$1100.00}. I used this account for a car repair. The letter I received stated I had a lack of real estate and other reasons that were present when the gave me this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27527
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I went to the Ashley furniture store to look at some furniture for my house. When I went to pay for the furniture I chose, I was offered an Ashley card by synchrony bank. I didn't want to open a new card but as I was told that I would have the advantage of having 1 year of no interest fee I thought it would be the best option. Several credit card companies give you this advantage of not paying an interest fee in the first year, I thought that would be the case with Ashley credit card too. It was not explained or clarified to me that after 1 year, if I still had a balance to pay, I would be charged all the interest fee that had not been charged in 1 year. I was not notified. The process of opening the card was very easy, too easy! So, every month I paid a little on the card and after a year I still had a balance to pay. I then thought that I would start paying the interest fee from XXXX but to my surprise I was charged the entire interest fee for 1 year. {$1800.00}, almost {$2000.00}. I was in shock! I've never seen such a misleading promotion. I contacted the bank but they said it was a promotion and that they sent me statements showing that I would be charged. I have not received any correspondence from them in my mail. Their website where I log in to make payments is very bad, it is not informative. I contacted them but they don't offer me any solution, they really want to receive this interest rate. I don't think it's fair since this should have been made clear when we were opening the card. They make it easy for you to open a card with them, it took less than 5 minutes to open and no information was given to me about it. I feel deceived. Why they didnt explain this before? This is a very important think I should had known before I opened a card with them.. thats sad a company as big as synchrony bank need to do this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My purse including my personal information was stolen XXXX, authorities were contacted with incident being reported, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. ACCOUNTS LISTED ARE : XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ), with a balance of {$3600.00} XXXX ( ACCT # XXXX ) with a balance of {$1100.00}. XXXX. XXXX XXXX ( ACCT # XXXX ), this account is listed twice with balances of {$1900.00} and {$2000.00} ( not sure when accounts were opened ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28112
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
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/, I filed a case with PayPal Credit ( Dispute : XXXX ) due to the item ( glasses frames ) I received being fraudulent and a fake. When I went to contact the seller about the item, there was no option for this to be handled nor a way to communicate that the item was not real. The seller took well over a month to get the item to me and due to delays with XXXX XXXX I wasn't able to finally start using my glasses until late XXXX. I filed my claim with PayPal Credit and they stated I needed to get them additional information but I had no information to give them. I showed them screenshots that there was no option for me communicate with the seller and that the frames were showing degradation ( which should not be happening when worn for less than a week ). I don't know what more I could have supplied PayPal when they requested more information. In the end, PayPal denied my claim stating : " We have reviewed this transaction ( s ) and are denying your case ( s ). The decision was made because we did not receive a response from you with supporting details for the case. '' I gave all the details in the initial complaint to them and had nothing additional to offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A