Date Received: 2023-10-25
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: This is continued documentation in regards to fraud and civil harassment on the part of Lowes and synchrony bank. As this moves towards litigation, synchrony bank has refused to investigate this matter. At no time has anyone from this bank contacted me, or spoken with Me Directly. They continue to send me bills and demands for money. They are demanding funds for services, and products that were never rendered, nor were they received. There is a need for a formal federal investigation into the fraud that not only synchrony bank, but Lowes continue to commit. In an email sent on XX/XX/XXXX, I received notice from synchrony bank, that no amount was due. On Yesterdays date, XX/XX/2023, I received a bill from synchrony bank stating that I owe them over {$5000.00} and a minimum of {$51.00} is due on XX/XX/2023. I owe this company absolutely no money. They are frauds, criminals, and a federal investigation into their crimes is warranted. On this date, I spent nearly 2 hours on the phone being redirected repeatedly by customer service representatives, who refused me service, and refused to address the issue. I asked to speak to a supervisor multiple times. One of those supervisors hung up immediately, another redirected me to Lowes, and the other completely refused service. This is a company of criminals, Frauds, and liars. My attorney will be sending them documents and will be serving them formally upon his return to his office. I have had enough of this XXXX and theyve had every opportunity to resolve this. I demand a federal investigation into this Friday, and I absolutely will be suing this company. Synchrony bank, and Lowes continue to commit fraud and violate my rights as a consumer. I am repeatedly receiving statements from synchrony bank stating that I owe them over {$5000.00} for services that were never rendered and products that were never received. Lowes has done over {$18000.00} worth of damage to my home. Due to unsafe installation, all materials had to be removed. I have sustained XXXX XXXX in the form of a XXXX XXXX XXXX XXXX XXXX XXXX. I am being scheduled for XXXX for repair of this XXXX. This is a result of negligence. Lowes is currently being sued, and synchrony is also Part of this civil litigation. Synchrony and Lowes continue to commit fraud and demand money for services never rendered. There needs to be a prompt and thorough investigation conducted on both. This is an ongoing issue and I have recorded phone calls with synchrony bank, where representatives have been recorded, stating that they are returning my money. This has not happened to date Synchrony bank, and LOWES corporate office has provided false information regarding state and federal complaints. They have provided the consumer federal protection bureau with false information in order to have an investigation closed out under false pretenses. They have claimed that they can not respond due to pre-litigation, or a lawsuit has been filed. This is completely false, and neither, LOWES, nor synchrony bank have been served with any documents from any attorney at this time, or at the time that they responded. They are XXXX, providing false information, in order to close out cases against them, as well as federal investigation LOWES and synchrony bank, continue to commit fraud, breach of contract, deceptive sales practices, and have used bait and switch tactics which has resulted in nearly {$9000.00} of financial loss for me. They continue to commit crimes against their own customers, and in this case, have refused to provide products and services that were purchased on my Lowes credit card. I have paid over {$3000.00} since XX/XX/1022 and have received no products, service, and my home has been destroyed by this company. LOWES is refusing to cooperate in an insurance claim and has refused to repair the damages. Their claims adjuster, XXXXXXXX XXXX, is refusing all communication and has refused to re-order products and provide service and Installation. XXXXXXXX XXXX and executive XXXX XXXX have escalated this issue to the point to where civil litigation will be necessary to resolve this matter.. In regards to the original sale of these products and services, that were to be provided by LOWES, their sales personnel at the XXXX XXXX store, used bait and switch tactics. I originally purchased a laminate flooring that was advertised as a display within their store. I made this purchase using my LOWES synchrony credit card. For several months, this product went without being ordered by the sales person and XXXX XXXX flooring. Months afterwards I received word that the product that had been sold to me, and that was on display for sale was being discontinued at the beginning of the year. They refused to provide a product that I had purchased and that was paid for. I was told by the sales person identified as XXXX that I would have to pick out another laminate. She only directed me towards flooring that was of a higher price than the original product that I had purchased. At no time did she show me a product that was lower in price, or close to the same of what I had already paid she repeatedly used bait and switch tactics and use these unlawful tactics to persuade me to buy a product that was higher in price. LOWES has been sued for sales practices such as these in a class action lawsuit. Recently, they were ordered by the courts to pay customers {$1.00} XXXX in damages. Clearly, this company didnt learn a thing from the class action lawsuit, that they just lost, as they continue to conduct bait and switch tactics against their customers and commit fraud. I have a legal binding contract, reference my purchase of product service and Installation from LOWES. They refuse to honor this contract, provide services, and are refusing to even honor a warranty. Four months, I have had water damage in my home that they have refused to address. They have already admitted, fault, but refused to address and fix what they have damaged. I have thousands of dollars worth of damage in my home from an incompetent and unqualified installer. Adding to this, LOWES is not conducting proper background and criminal background checks on their employees and installers. The person that they hired to install my bait and switch flooring was completely on qualified, unlicensed, and was he convicted criminal. This man flooded my house on three separate occasions. This man has destroyed my house, making it unsafe. I have sustained physical injury from what this man has done and the defects reference installation in my home. LOWES associates and claims adjuster, XXXX XXXX even stated in a recorded phone call that this was the worst Installation hes ever seen and his XXXX daughter could have done better. LOWES has destroyed my home. XXXX XXXX, should be terminated from his position due to his negligence and complete unprofessionalism and incompetence. He has not resolve this issue, nor attempted to resolve this issue properly. Rather, he has escalated matter to civil litigation. It has also been noted that XXXX XXXX is refusing to provide documentation that is relevant to this insurance claim. An adjuster from XXXX and company came to my home to assess the damage. A report was submitted on these damages. XXXXXXXX XXXX, is refusing to provide these documents to me as they pertain to my home, this open claim and damages that occurred. XXXX XXXX is now refusing all communication. In a previous conversation, XXXX, XXXX was made aware that I am a XXXX XXXX XXXX. After making this known, I became aware that XXXX XXXX was no longer listening as I spoke with him, and I could hear him typing in the background. Hearing that he was typing a message to someone on his keyboard, I stated that I would let him go, since he was no longer Listening he responded by saying I was noting that you were a police officer. XXXXXXXX XXXX clearly has some sort of personal issue, or vendetta against law enforcement officers. He has made that clear, his actions and words throughout this entire process.. At this time, they ( lowes ) are refusing to fix the damage, have not ordered, or provided replacement products, services, and they have refused to address the thousands of dollars of water damage caused by their negligent installer. LOWES has committed numerous Crimes, which includes bait and switch tactics, fraud, deceptive, sales practices, breach of contract, and gross negligence. I have retained an attorney to pursue LOWES and synchrony bank for the crimes that they have committed. As I have stated, I have already paid over {$3000.00} for products and services that were never rendered, and have a balance of {$5000.00} for products that will not be provided an installation that will not be conducted. This bank needs to void out any balance that remains and return the over {$3000.00} that I have paid. My home is destroyed because of this company and has sustained thousands of dollars in damage and water damage. They will be held liable in civil court for their crimes. I am demanding that my money be returned that I have paid on the balance of this credit card and the remaining balance of {$5000.00} be deleted. After this is processed, this account needs to be closed. I will be suing this company and will never give them my business again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 047XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2023 Synchrony/Paypal credit card was settled for the amount of XXXX. It was then cashed by SYNCHRONY BANK on XX/XX/2023. I have provided the check as proof as well as the paper mailed out by SYNCHRONY stating that they agreed to this settlement. It is dated XX/XX/2023. After asking me to mail in the documentation for proof on XXXX XXXX I was told that they sent my account to XXXX XXXX to be placed with another collection agency. I was also told that it would take 60 days to investigate my dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28054
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to address complaint XXXX. As a creditor, you have previously acknowledged your inability to provide original documentation that substantiates my ownership of this debt relating to the account on my credit report in which you sold to XXXX XXXX. I have consistently maintained that I never opened an account with your company, and I have provided substantial evidence that my personal information was compromised in the XXXX data breach. This raises serious concerns regarding the accuracy of the information on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FCRA. I kindly request the immediate removal of this account from my credit report within the next 30 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action. The account is XXXX XXXX XXXX. Please see your response highlighted where you admit to no proof of validation. Also see the XXXX data breach claim ID.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I had purchased a couch and financed it with 0 % interest if paid in full in 12 months in early XXXX. I received a call from a credit card company a week later that stated this was the credit line that had to be opened in order to pay off the financed couch ( their XXXX was not the best and may have misunderstood my request ), so I opened the credit line. I come to find out about a week later this was not the credit bureau that was used to finance the couch when I received another credit card in the mail, but just another credit company with an XXXX XXXX store credit card. Now I have two credit cards that were just recently opened : one that is used to finance the couch and one that misled me and caused me to open up a credit card that I didn't want, and never will use. This has caused a ding to my credit score that I was not wanting just as I am looking to purchase my first home in the coming months. Whether they intentionally misled me or not, I believe someone with limited capability of explaining the credit situation should not have the authority to authorize an opening of a credit line in someone's name. I filed a complaint with multiple credit agencies to try and get this expunged, but nothing was done. It updated the credit report, but they have not deleted this credit line. I will be seeking assistance from Synchrony Bank ( the credit company that opened the line of credit ), but assume they will not do anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: writing to request that I not place any additional information on my credit report. My intention in writing this letter is to preserve the privacy and integrity of my credit history. Understanding that in certain circumstances, financial institutions and other entities may require access to my credit report to evaluate my creditworthiness. However, at this time, I do not want any additional information to be placed on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 007XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Paypal Credit account was opened and negatively impacted my credit history with knowledge or consent. Settled this with Paypal years ago but my credit is still impacted negatively.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28056
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023, I made a payment of {$220.00} on the credit card XXXX XXXX XXXX XXXX mastercard issued by XXXX. The payment amount was already deducted from my checking account as of Monday XX/XX/XXXX. Today, XX/XX/XXXX, the payment is still not posted to my account and is not included in my credit limit and still shows processing since XX/XX/XXXX. My credit limit is only {$1300.00} with current balance showing {$140.00} and with available amount to spend of {$920.00}. I had a credit card account with XXXX XXXX issued by XXXX in the past and i closed it out. I reapplied and was given this new one with {$1300.00} credit limit. In the past, when I schedule a payment the day before my due date, the funds is deducted from my checking account on the due date and and the payment is posted immediately. That is not the case this time. It feels like XXXX XXXX XXXX issued by Synchrony Bank retaliated against me for closing my account in the past. Now the payment made on the XXXX of XXXX is still not posted. It looks like XXXX XXXX XXXX is doing this on purpose so it will appear that payment is made late and late payment charge will incur. I have good credit and i don't want this to affect my credit negatively. The fact that i was approved for this credit card the XXXX time was because i paid my bills on time each time and never late on payments with the previous credit card I closed. never late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
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 about XXXX XXXX, I went to XXXX XXXX XXXX for XXXX XXXX which they said is free and complimentary. They took some photos. No consultation was provided, I didn't see any doctor. They didn't tell me any process nor procedure about how my teeth will be fixed. They asked for my insurance, and I informed them that I didn't have any. They provided me with a XXXX speaking agent which made me uncomfortable and she forced me to sign a paper saying that it's only for care credit application because I don't have any insurance. Even though I specifically informed them I'm NOT ready for their services. She assured me that I will not be charged until I decide. Though this was my limited understanding from a language I don't speak nor fully understand. I was charged XXXX $ for complimentary XXXX with doctors and other reports which they claim for free as complimentary services on their website. No doctor ever checked my mouth nor my complicated case for aligners. I discovered through other online complaints that they were about to sell me retainers for the price of aligners. And that they have conducted similar fraud of XXXX $ and XXXX $ under the garb of complimentary services. The agent made me sign a paper while distracting me about care credit process in a language I don't understand. She forced me to sign the care credit application without explanation and without any doctor 's services. According to them, I signed a contract while I was signing the care credit application. How can I sign a contract under credit card application without my knowledge which was apparently explained to me in a language unknown to me? I requested an English speaking agent about which they were rude. They provide a fake invoice for services which was listed as free and complimentary on their website at the time of my visit. Complimentary Services as mentioned on their website are provided from sales representative who claim to be doctors. After many visits, requests, phone calls and multiple emails they sent me a fake invoice. I request to receive my XXXX $ back from them which they charged without my knowledge. A branch manager named XXXX is well aware of the fraud and had promised to call back with a resolution after our last conversation on XX/XX/XXXX. We have followed up multiple times since then via phone and email but she continues to avoid us and they continue to provide the fake invoice and fraudulent contract. I guess care credit is in collusion with then because despite having provided them with all the evidence of this fraud, they continue to bill us and don't dispute our case as required. They also tried to cheat my wife by first saying she needs XXXX for XXXX $ and then need braces for XXXX . No doctor was provided. Their confusion and our language barrier was one of the reasons we didn't want to sign a contract. But they claim we signed a contract. We are not sure how we signed this supposed contract when we were told that we are only signing care credit application due to none of us having an insurance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85365
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Hi I thought the claim was closed in my favor with XXXX XXXX and I spoke to the fraud investigator and she was very rude to me and it been over 45 days and the claim is still pending and I want it close and all payments that was stolen from me to refunded back to me. Also I dont want any offers from this bank and I didnt apply for XXXX XXXX or did any business with this company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: As of XXXX my available credit on my PayPal credit ancciunt managed by Synchrony bank account was {$1000.00}, according to the company on XX/XX/XXXX a letter was sent out and my available credit was reduced to {$500.00}. Customer service from the company said to contact XXXX, XXXX said to contact the credit bureaus that I use. This is a virtual line of credit without a tangible card and it is unclear which credit reporting agency is used by Synchrony bank to regarding consumer credit reports- nobody was able to give me this answer for me to pursue and see if there is an error on my credit report. I have had this account the longest of any of my available lines of credit and had recently paid the balance in full with a fairly good history of making on time payments. The other two lines of credit I have are not reduced with less history and higher balances. Thus, this action seems nothing except for predatory on behalf of synchrony bank. This action taken by Synchrony bank negatively impacts my credit report to have my credit limit reduced and to further have a lower amount of available credit ; this is not a practice that helps consumers develop credit which is the point for me as a consumer to have this type of credit. Moreover, I still have not received the letter as of XX/XX/XXXX, and this move caused me to be unable to pay other bills since the credit was lowered with no advance notice or means acknowledge or to appeal, and I use this line of credit to make purchases for my business. Some are regular monthly purchases but others are seasonal. I had used this line of credit to purchase equipment needed for the winter and it came out of a card linked to a separate account from the merchant. I made these purchases before the XXXX of XXXX so it would have shown as pending on my account as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A