Date Received: 2024-02-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This has been on going since the beginning of 2023. Some of my payments go to the balances shown online. Some of them go to an unknown balance from an unknown purchase. Currently my current balance is XXXX. Yet when I count up my standard purchase accounts, the total is XXXX. These accounts accrue interest monthly, which is typically reflected. The problem I have is why does my balance show XXXX, yet my accounts total XXXX? I get the run around when I call and get different answers. Yesterday they told me it is from a promotional balance that wasn't fully paid off. But none of that is reflected on my account page. Previously when I had promotional accounts, the last XXXX months of payments before the promotion expires, the payments are supposed to go directly to the most recent due promotional account. Minus the minimum monthly due. They have not applied 50 % of the past years worth of payments correctly. When I call to have them allot the payment to that specific promotion ( which it's in there rules to do ), they do not apply it correctly. Causing me to have to email them to fix it. If they don't fix it, I would be late in paying that account on time and charge me interest. 90 % of the time I call, they try to gaslight me and never give me the same information. I am paying off my balance today so that I do not have to deal with this fraudulent company again. I want other people that deal with Synchrony Bank, to verify your account monthly. Because they will take advantage of you any way they can.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Below is a copy of the letter mailed to this trustee 3 weeks ago. SYNCB/PPC\XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2024 Effective immediately and indefinitely, per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal per 15 U.S. Code 6802. Respectfully Without Prejudice, XXXX : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX, hard inquiry on my account from the following company : SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX a new account shows being opened SYNCBXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX This was done without my consent or knowledge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony bank/JCP Synchrony bank/Lowes Contacted bank regarding unauthorized hard inquiry under the JCP division on XX/XX/2024 XXXX Shortly thereafter, I was notified my Lowes account had been closed by grantor. When contacted the representative said it was because I probably didn't meet credit worthy standards. This account is 14 months old, never late, XXXX balance, excellent standing. I have utilized it and paid purchases off early. This has caused undue hardship as it has removed a exemplary report from my credit standing, which was completely unwarranted. The hard inquiry remains, my account is gone. Although it is true that in the month of XXXX my score plummeted, the only reason it did so is because of a series of school loans for which I am a cosigner. My daughter is unable to make the full payments, and negotiations have stalled. I realize my responsibility, however a different solution will be required for those accounts as I signed for them prior to a change in my financial status due to unforseen circumstances.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 188XX
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
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: We bought a fully-assembled, brand-new XXXX XXXX XXXX from Lowes store # XXXX XXXX XXXX Texas on XX/XX/23 using our Lowes XXXX credit card with account number XXXX under my XXXX name XXXX XXXX XXXX. Almost immediately, within a day, the XXXX XXXX had pieces fall off including the wheels from the stripping of the bolts during assembly. We asked to return it since it was a damaged product and Lowes store people refused to take it back. We contacted the Lowes credit card that is run by Synchrony Bank who stated the local Lowes store had to remove the credit card charge. They could help me. Lowes refused to take it back and instead wanted XXXX ( the manufacturer ) to repair it, with us paying the delivery charge. After doing so and sending it to a recommended shop by XXXX, the XXXX XXXX remains unfixed with XXXX and Lowes fighting over whose fault. Its been 2 months of waiting. We are frustrated with false advertising about the return policy, the poor assembly and the lack of help by the Lowes store personnel. We are angry at the credit card company for refusing to investigate and depending on the local manager to remove the charge. We want our money back for the damaged product that was poorly assembled by the store. We run XXXX XXXX and had to buy a product to move our products. Moreover, we didnt buy a refurbished product which is what we will end up with instead of a new product. We ask for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 785XX
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX with account number XXXX This account is listed as being 30 days late. I recently contacted that company regarding this matter and was informed by representative that I was automatically signed up for security card protection which was an extra {$160.00} in top of monthly payment. This was causing my monthly payments to increase and adding interest. However, I did not agree to enroll in the program nor did have any knowledge that i was enrolled into the program. I agreed to pay the full balance within 12 months with no interest. This my first time using care credit. I am requesting a goodwill adjustment to remove this late payment from my XXXX, XXXX, and XXXX credit reports. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment. Thank you for your consideration, and I hope you'll approve my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-18
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: On XX/XX/year>, I logged into my account to update my contact information. It would not allow me to update my XXXX phone number and forced me to call the XXXX number. I was on the phone for almost XXXX minutes and all I got was a bunch of attitude and XXXX service and a lecture about my attitude problem for calling the previous guy an XXXX, which trust me was the edited version of what I wanted to say. In this time, I noticed XXXX of my cards ( Care Credit ) had expired XX/XX/year>, and the company didn't ever bother to send me a new card. The other card is about to expire in XX/XX/year>, so I requested that to be replaced also. The XXXX call center agent, MARKED MY CARD LOST OR STOLEN, because he had an attitude problem and was acting out in a hostile manner and then proceeded to start treating me like a criminal. He tried to force me to click on a link that I was not going to do either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-18
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 appliance package XX/XX/XXXX from XXXX XXXX XXXX. Total charge {$2500.00}. XXXX of the XXXX items were delivered- microwave, fridge, dishwasher. The stove was not delivered since it was on back order. I was unhappy with XXXX of the XXXX delivered appliances. I called XX/XX/XXXX to have XXXX of the XXXX delivered appliances- the microwave and fridge- returned. After spending a total of XXXX hours on the phone with both XXXX XXXX XXXX, where I ordered the appliances, and XXXX XXXX, who delivered the XXXX items, I spoke to a store XXXX and told them to cancel the order for the fourth undelivered item, the stove, since they could not provide an expected date of when the item would be in stock. The XXXX assured me the stove order {$670.00} was cancelled and would not be in my statement. The fridge and microwave were picked up the following Monday or Tuesday. That should have been a credit for {$1300.00} plus tax. The stove, since it was cancelled, was never delivered. The only appliance kept was the microwave {$460.00}. This cancelled stove has remained on my credit card. I disputed the charge XX/XX/XXXX to asynchrony bank. I did not receive a resolution. I instead got a credit card statement in XX/XX/XXXX that I owed XXXX for the stove. I called synchrony again XX/XX/XXXX. I again disputed the charge and the interest and late fees for a product that was cancelled and never delivered. I did not receive a resolution. XX/XX/XXXX I again receive a Lowes credit card statement that I owe {$930.00} for the stove, late charges, and interest. I called synchrony bank and disputed a third time XX/XX/XXXX. The matter remains unresolved. XXXX refuses to credit the cancelled undelivered item and continues to charge me late fees and interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The TJX Companies , Inc. XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX Dear sir, I have written a letter to your company on XX/XX/XXXX of XXXX regarding my reward certificates, # XXXX ( issued XX/XX/XXXX ) and # XXXX ( issued XX/XX/XXXX ), which arrived with XXXX bill from your credit company Synchrony. Since there was no answer regarding the inquiry, why I could not use these certificates, I would like to ask again the reason why I could not use them after the second try about the middle of XXXX. As far as I remember, your company re-issued my unused corticate. Therefore, I beseech your company reissue the usable certificates or send me a gift card, which was sent also in XXXX by mail. If there is any reason why I can not use them, I request proper written explanation on paper, not by the phone. Since I have received many unwanted calls and hacking activities last year, I do not want to receive any calls, even though your credit card company, Synchrony, continuously called me, even changed his/her voice. I will wait your proceedings regarding this matter. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I initiated automatic payment of my Amazon card on the synchrony site, however they have still charged me late fees and interest when my card is completely paid off every month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32796
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A