Date Received: 2023-10-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone apply for information on me and I didnt apply for dont no who this year and I didnt authorize for it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I received a letter via USPS dated XX/XX/2023 informing me that the application for a TJ Maxx credit card was denied due to " unable to access credit bureau due to freeze or lock. '' I DID NOT MAKE THIS REQUEST. I HAVE NO INTEREST IN A TJ MAXX CREDIT CARD. On XX/XX/2023, I called Synchrony Bank at XXXX XXXX. Synchrony Bank verified that an application was submitted on XX/XX/2023 using my name and select other information and that NO credit report was pulled and the application was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 229XX
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: 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 I contacted Sychrony Bank about my Amazon.com store credit card. They claimed that they refunded me {$1400.00} back to my card. I sent them the statements and tracking number showing them that I have not received any the refunds. They refuse to help me on this matter and I am looking for a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/XXXX I received a letter from Synchrony Bank saying I had an overdue account of {$20.00}. I called the number repeatedly but couldnt get a live person. I emailed the company but got no response. I kept calling and finally talked to an agent and filed a fraud report. I was told that I would not be responsible for the charges while there was an ongoing investigation and that they would notify the credit bureaus as well. Now I continuously get emails and text saying that I have a balance over 60 days and my credit has gone down XXXX points as a result of this!! Im so upset about this and its giving me so much XXXX because I keep getting notices from the credit companies about how much my credit has gone down. Ive called all the credit bureaus and written letters to all of them as well. Ive also written to Synchrony Bank. I havent received any responses yet. Ive always paid my bills on time and Ive never had a late payment. My credit is very important to me and Ive worked hard to keep it in excellent standings. This is outrageous that theyre ruining my credit for two charges for {$5.00} that they cant even tell me what theyre for! Ive had an XXXX account with XXXX for many years and its set up with automatic payments. Im a reliable and responsible person. Im XXXX XXXX XXXX and plan on XXXX in a couple years. I need my credit to be in good standings so I can get a small mortgage if I need one. Please help me with this. I would be so grateful. Thank you very much. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
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: The bank was contacted regarding my Paypal Mastercard ending in XXXX at the following number : XXXX on XX/XX/, resulting in an 25 minute phone call with overseas agents. The purpose of the call was an unrecognized transaction dated XX/XX/ for {$110.00}. After the lengthy phone call speaking with multiple overseas agents the following was supposed to have occurred : A provisional credit for the aforementioned {$110.00} and a new card number issued to be sent using a rush mailing status. On XX/XX/XXXX XXXX XXXX I personally reached the merchant for the mentioned charge, and they immediately issued a refund of {$110.00}. Upon checking the most recent account activity on XX/XX/XXXX XXXX for the above card, no provisional credit was issued, the merchant refund is not appearing and the {$110.00} was charged a second time to the account on XX/XX/XXXX XXXX XXXX The payment on the account for {$600.00} dated XX/XX/3 has not been credited to the account, rather it was charged to the account as an adjustment on XX/XX/XXXX XXXX for {$600.00}. Attached as proof is the following : payment on the account for {$600.00} dated XX/XX/XXXX XXXX XXXX proof of posting of the payment to the XXXXXXXX XXXX account for {$600.00} posted XX/XX/, proof of the merchant issuing a {$110.00} credit on XX/XX/XXXX XXXX XXXX Paypal Mastercard account history as of XX/XX/.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
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 would like your mediation about the payment dispute with Amazon Synchrony Bank. The XXXX store issued a refund for returned merchandise to the original form of payment ( XXXX XXXX ), but unfortunately, it was not reflected on my end. Order date : XX/XX/ The total refund issued : {$71.00} Order Number : XXXX Payment Method : Amazon Credit Card Since then, I have contacted Amazon and Synchrony several times via email, phone, and post. The initial attempt was to resolve the dispute through Customer Service. Still, as it has not been successful, I am now seeking your assistance for mediation before escalating this matter further. I canceled my Amazon credit card and closed the account with Synchrony Bank. However, I am still waiting for information about the refund. Your assistance in this matter is very much appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: On XX/XX/2023 around XXXXXXXX XXXX I went to mySynchrony website to download my monthly bill for Lowe 's Credit Card. I found that the statement showed a variety of ways to have the interest calculated. Reading over them, I believed the amount of interest charged to my account would vary significantly depending upon which one was used but there was nothing stating which method is currently being used to calculate the interest each month. I then went to the live chat and asked to have a live agent as the system now gives you an AI bot automatically. When I started the chat with the a human being, I proceeded to explain to about my financial situation which is very restricted as I am single, on XXXX, and have no other source of income. Still I have made payments on time toward my purchases on the Lowe 's Credit Card every month for over a year, for greater than the minimum amount due. My credit score is also very good as I strive to keep all of my bills current despite being considered in poverty. I told the agent that the interest on the account was hurting me financially as I was making payments around $ XXXX but being slapped with around {$45.00} of interest each month so I was essentially only making half the payment. I then asked, based on my account history, to either have the interest rate lowered or the means of calculating the interest changed. I was immediately told that I wasn't a candidate for having the interest rate lowered. I was surprised given my efforts toward my financial status. No explanation was provided as to why only that they could not offer it. I then asked further about the means of calculating interest on the account. The representative at first seemed to ignore my question referring in her response only to the interest rate itself ( XXXX ). I told her that she was not answering my question several times before she finally asked what I was referring to. I then proceeded to tell her I was looking at my monthly statement where there are multiple detailed descriptions of methods for calculating interest. They were named XXXX, XXXX, XXXX, XXXX & XXXX. I wanted to know which method was currently being used for calculation on my account and if we could request that a different one be used ; if so how to do that. But she seemed to have no clue what I was referring to. At first she didn't seem to think these different methods of calculation existed at all. Then she asked me where I was seeing this information at. When I specified it was on my current statement, page 2 she then asked to put me on hold while she uploaded my statement. She then specified I was on XXXX and there wasn't another listed. But then she said to wait while she looked again. After a few more moments she told me she could see all of the descriptions I was referring to but that these were only for " information purposes '' and not options. I expressed to her that the company definitely needed to clarify this as to most consumers reading these descriptions on a statement it would appear that these are option which we can choose from based upon which is best for our financial picture. She apologized and stated she would give my comments as feedback to the company. But I was given no assistance overall toward lowering my payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX I was notified by one of my credit tracking agencies that my credit score was being adversely affected due to the closure of one of my credit cards. The card identified was my TJ Maxx Card. I received no notification from TJ Maxx. I contacted TJ Maxx and asked and they confirmed that the card had been closed. I asked why and they said because it had not been used for a certain period of time. I asked if they had tried to notify me and they said " no '' that was not their policy. I explained that I had just moved that month and was now near a TJ Maxx store. While their card can be used outside their store, I typically just used it at their stores. Prior to XXXX I lived in a small town in XXXX and there was not a nearby store. I actually still have several hundred dollars in TJ Maxx gift cards I need to use. I mentioned that my other cards all contact me about usage and allow me time to use the card to keep it active. They said that was not their policy. My card indicates that the card does not expire until XX/XX/27. I actually like their stores and I'm not sure why they would treat a loyal customer this way. I think it is extremely poor business. Aside from that it has affected my credit score in a negative manner with no notice or opportunity to correct the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Early in 2023 I applied for a credit card from XXXX, through Synchrony Bank and was approved with a credit limit of {$1500.00} and i did not get an actual card from them for XXXX months as they kept saying it was mailed but I never received it. I finally received the card XXXX weeks ago and used it a single time for a purchase of {$200.00} or 12 % of the available credit. Subsequently, I received the attached letter advising that my credit limit had been reduced to {$200.00} based on a review of my " credit worthiness ''. This decision negatively impacted my credit score because this reduction resulted in a negative impact on my credit as it now shows that I have used 95 % of the available credit on this card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
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 ordered something from XXXX and it turned out to be a scam website. I called TJXRewards/Mastercard and they informed me that they can not issue a refund. It was a XXXX XXXX XXXX XXXX XXXX that costed XXXX. The website said it would ship from XXXX, but it turned out to be shipping from XXXX. Never received the item.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A