Date Received: 2023-11-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I recently opened a account with lowes through synchrony bank. My credit limit was {$1000.00} I was notified that because of a recent credit inquiry to my accounts, my credit line has been decreased significantly I never authorized synchrony bank to randomly pull my credit Im requesting that my lowes credit limit is increased to {$10000.00} dollars
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27107
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have had my Rooms to Go account for over 5 years and have paid my account on time with no issues and all of a sudden I get an alert that my account has been closed. I called and requested it the account can be reopened because I did not request it to be closed. Agent advised that do to a credit score change account was closed. So Ive worked hard to keep my account in good standing for over 5 years and the company decides to close the account and I lose all the credit history that I built. This is how you thank your customers for their loyalty. I have several cards by this company Synchony as well as my husband. This is wrong on so many levels and it really makes me want to close all accounts associated with you all if this is how you all do business. I have not showed you all any reason to close my accounts I have paid my accounts on time and dont carry a balance on my credit cards from month to month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30224
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: So my account has a large amount of money in it and Synchrony bank has restricted my account due to lack of proof of address and identity. I have sent proof of my drivers license, electricity bill, and letters of proof, via email, mail, and their website. They claim they have not received anything and are not unrestricting my account and holding my money hostage. I have also asked to talk to supervisors and they put me on hold and then the phone gets hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that aren't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case Transcript
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I have had a TjMaxx Credit card for the past few years and its been paid off for months now and has not been used in a while. When shopping at tjmaxx I was asked if I would like to apply for their credit card and I mentioned I already have one just don't have it on me, since I haven't used it in a while. They then proceeded to tell me if you have not used your tjmaxx card in over 6 months then it is inactive, but we can reactive it for you. I mentioned it wont be a new card correct cause if its reopening a card and it will affect my credit I am not interested and she reassured me it would not be a new credit card nor would it affect my credit so I said sure lets reactive my old card then and gave her the information she asked to search my account ( ID, SSN etc ). Received a new card in the mail but didnt think anything of it just figured it was linked to the card I already had since it was just reactivating when I logged onto my XXXX XXXX. I noticed an inquiry of a new credit card and it affected my credit. That is when I was upset and called TJMaxx customer support regarding my card and they informed me I have TWO TjMaxx cards now opened. I asked for the policy regarding if its true after 6 month of not using the card it becomes inactive and they stated that is NOT true. So now im upset because I did not authorize and stated to the cashier I did not want a new card or it to affect my credit and they lied all to get me to open another card. It has affected my credit and im very stressed with the situation and thinking of I should get a lawyer for the fraud and misinformation they provided
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02908
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX continued to charge me with late fee after I returned a then known scammed piece of equipment that was supposed to help with my internet but never got a signal after several attempts after contacting XXXX technicians every month! I was finally told by Technician to return my device after 4 months of no service and no answer from XXXX technicians and customer service support. Upon returning device and payment paid in full I continued to keep getting billed thereafter for a 6 month period for service I never received without a device and late fees accumulated to Over {$560.00} which was turned over to credit bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31763
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2021 I purchased a medical procedure on an advertise 0 % financing plan for XXXX years if the full balance were paid by the promotion expiration date. In setting up the account I enrolled in auto-pay which recommended a minimum payment that was already prefilled. This auto-pay rate I assumed to be the rate in which I would remain complaint to the promotional terms. This was not the case, following XXXX years of auto-pay, the balance was not paid and I was automatically charged without warning XXXX years worth of deferred interest for not meeting the promotion rules. Auto-pay 's continued and no emails, letters, or correspondence was issued to alert me of this. As a result I was charged over $ XXXX dollars in deferred interest. The practice of making the recommended minimum payment amount in the lenders own auto-pay tool not complaint with the lender 's own promotion policy seems intentionally misleading and predatory.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Synchrony Bank has decreased my line of credit on BOTH my Sam 's Club Card AND my Amazon cards citing that I have balances that are too high AND citing that I don't have real estate on my credit report. I can't help that and I feel these actions are unjustified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37620
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Good morning and thank you for reading this information. I am a client of Carecredit/Synchrony and My account was enrolled in a plan. After contacting Carecredit/Synchrony Bank XXXX XX/XX/2023. The issue was related to a financial hardship I was having and was unable to pay my account. After speaking to the representative that day over the phone my account was closed, and I was advised that based on the information I provided I was able to secure a Payment plan due to my expressed hardship. After enrolling and making several payments I was shocked to learn via a statement that I was imposed an additional charge for interest, I contacted customer services and was advised that a senior manager would attend to this matter. Months have passed by, and I have yet to hear from anyone. At the time of my enrolling in the payment plan ( XX/XX/2023 ) my balance was approx. {$850.00}. However, upon receiving my statement for XX/XX/2023 closing date my new balance reflected {$1000.00}. The summary stated it appears to be an interest charge for {$260.00}. If your office can kindly assist me with this matter, it would be greatly appreciated, I can't seem to comprehend why and I refer to the below caption that if my account was already closed why Synchrony would add that additional interest charge during a n existing Payment Plan. " " Your account is now enrolled in our Customer Assistance Plan. As a part of this payment plan, if your account is not already closed it will be permanently closed. Upon enrollment and for the duration of the payment plan, Synchrony Bank will reduce your APR to 0 %. '' ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have several times contacted PayPal about the way they fail to contact costumers about paying off the interest due on the account, to date, they still have made no attempt to provide the opportunity for customers to do so online. This requires customers having to call them directly which is not a convenient. So they are able to capitalize on customers who pay a large sum of money without adequately satisfying the interests they have placed on customers account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A