Date Received: 2023-10-12
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 made a purchase in the store on XX/XX/XXXX. I later contacted the store and was given permission to exchange my purchase for a smaller couch. I completed an additional purchase around XX/XX/XXXX and was told to expect a credit for my initial items within 2 days. I never received a credit from the merchant and filed a dispute. I sent documents confirming that I was due a credit and if reviewed properly my transaction history will show that I never received a credit. Additionally a review of the invoices supplied by the store also show that no credit was applied to my second transaction as claimed my the merchant. My dispute has been handled improperly. My documents have not been reviewed and Ive been given conflicting information. Please review information provided in the live chats on XX/XX/XXXX and the multiple calls. I am requesting a permanent credit, update to my credit report to reflect the correct high balance and a correction to the minimum payment. I am also requesting {$1000.00} in compensation for negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23237
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I dont know how I got all these declined my identity was stolen and that the reason why I have all these things in my credit and I want to remove them I didnt make any of them I only have one bank account I just open and that through XXXX that all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a PAY PAL line Credit with Synchrony bank ; XXXX XXXX XXXX XXXX XXXX XXXX. Which has been communicated and documented to said bank. Once the balance was paid down in XX/XX/2023 [ XXXX ]. They then closed my account without any notice. I called to ask why in XX/XX/2023, and was rudely spoken to its due to late payments and it can not be reopened As a result of a follow-up call the bank initiated a dispute which appears to have resulted in a credit balance of XXXX. Which appears to be the removal of late fees. That said to date I have heard nothing further and my account is still closed. They also reported the bank as late to two credit bureaus which hurt my score, then the bank reported it to the credit bureaus as an improved account. Yet theres no indication on my credit report that account has been closed by creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This company charged outrageous interest and then delayed the payments, charged more interest, constantly resulting in a small amount due to charge 26.99 % interest on and when finally paid did not return the overpayment. I had to contact them to issue a check refund and the automated phone system is a nightmare to get through. They should be sanctioned.
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: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Synchrony bank has attempted to close my PayPal Credit account without any advance notice per ADA requirements, stating that there were insufficient funds which is not correct at all. There have always been additional funds to withdraw from three type of money accounts and one is PayPal 's own savings account so there should have never been any insufficient funds charges or closing of my account because they allow for a draw against their own PayPal savings account. And lastly IF I had the inability to make payments for this account I had been subscribed to the PayPal protection plan since XXXX. I don't have to request that because I have an ADA this bank is supposed to automatically notify me of this per ADA law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76708
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have my Amazon store credit card set to autopay my statement balance each month to avoid interest fees. I recently received email marketing from amazon recommending to me to shut off my autopay to take advantage of promotional financing. The email is worded in a way that suggests I've done something wrong and am not getting the best deal by using autopay and paying off my statement balance each month. This is misleading advertising that encourages consumers to grow credit card debt under the guise of a missed opportunity. If I need financing options, I will seek them out. Credit card companies should not be making financing recommendations as they have a clear interest in giving poor advice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am having an issue with my XXXX card through SYNCHRONY bank. I tried to email them to have cell phone numbers ending in XXXX & XXXX REMOVED from my profile. They stated that this is all linked through my XXXX CREDIT BUREAU which is ridiculous as I have had these same issues in the past before and they fixed it. They always have an old phone number linked to my account and I used to not be able to get a confirmation text to confirm my identity and had to call them to actually add my real cell phone as the website does not allow you to. I used to change phone numbers once a year and it has always been a headache. Why these numbers are back I do not know as I have had my current cell phone for about 5 years now. Either way in order to update your information on the website or even view it. The system prompts you to confirm your identity via a text message to your cell phone and/or a voicemail. Upon having to do this, I noticed they have phone numbers that are no longer valid. I tried to email customer service who said I had to talk to someone so I called customer service and of course they never have any idea of their system glitches and told me to call XXXX. I am tired of the incompetence by these credit holders and I can not understand why they do not have any IT departments to solve these issues faster.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78218
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XXXX XXXX, a email was sent to me about a new credit card being open by Synchrony bank. I did not initially read or open the email when I received it. XXXX XXXX, another email was sent out, congratulating me on my new credit card. ( Both emails sent were by different XXXX accounts ) I called the number provided to try to close the account. They wanted me to say my SSN to verify the account, I did not want to and stalled by verifying other information they had while I searched online about SSN over the phone. I found out they already had my name, address, and that they wouldn't ask for XXXX other the phone. ( Plus they provided the address to me to verify and I don't think they should've been giving out information like that to begin with ). I hung up the phone without giving them the XXXX and despite them having my call back number in case the call got disconnected, they still haven't called me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 793XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
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 received an email from what appeared to be XXXX in XX/XX/2023. This was not unusual as I am a frequent shopper and an XXXX XXXX card holder which allows me to discounts etc. The email looked legitimate to me. The message congratulated me for being a loyal customer and I was chosen to participate in a Loyalty Program to receive a free prize. I opened the email and the prize was a portable blender and juicer and all I had to do was to pay shipping cost of {$5.00}. I paid the shipping cost on my Belk MasterCard managed by Synchrony Bank. I was shocked when my Belk statement arrived as there were 2 charges on it that I DID NOT authorize. I immediately called the phone numbers listed on the statement to refute the charges. I was successful in contacting one of the companies which charged me for pictures taken at an airport. After threatening them with a complaint to the XXXX and the Attorney Generals office they removed the charge. I was not successful with the second charge of {$82.00} made to XXXX XXXX. The phone number on the statement was disconnected. I then called Synchrony Bank to dispute the charge that I did not authorize. They assured me that they would investigate. I assumed that they would remove the disputed charge. I was shocked when Synchrony bank sent me an email that stated they would not remove the disputed charge because I used my card to pay shipping on the free gift. I asked for proof that they investigated the disputed charge. They refused to provide me any evidence including the phone number and address of XXXX XXXX which led me to believe there was NO investigation. I filed a XXXX complaint on XXXX XXXX and my reply was that XXXX XXXX was no longer in business. I have had a Belk credit card for over 37 years and use it very frequently and I have never refused to pay my balance. I simply refuse to pay the fraudulent charge and now Im being harassed by Synchrony Bank calling me several times a day and believe it or not on Sunday mornings. I have called Belk Corporate office to voice my complaint. After many tries I spoke to a person, I was in tears explaining to her how I was defrauded. She reported it and I would receive a call within a week, which has not happened. I have canceled my Belk credit card and currently dont expect to ever carry one again. Synchrony Bank has also taken away my privilege of free shipping for Belk customers who charge {$1000.00} or more a year. I spent {$1000.00} in the first 3 months of this year! My credit score has dropped from XXXX to XXXX, however my score is exceptional as I pay the balance of all credit cards in full every month. I also received an email from XXXX XXXX, which is also managed by XXXX, offering again a free gift. The difference is I used my XXXX XXXX who recognized I was scammed and didnt charge my card a dime. Shortly after my dispute I received an email that said we were late paying our XXXX credit card, we did not receive a statement in the mail at all so we didnt even realize there was a payment due. Amazing how the timing of the missing statement coincided with my dispute with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/XXXX, I received two fraudulent credit cards issued by Synchrony Bank for XXXX 's XXXX XXXX I filed a police report, froze my credit report with XXXX, and called the Synchrony Bank to inform them of the identity theft and fraud. On XX/XX/XXXX, I notified the Social Security Administration, XXXX, and Identity Theft.gov ( report # XXXX ). I have had multiple written and phone conversations with Synchrony Bank regarding the fraudulent charges, the fraudulent cards, the changes in my address, phone # & email they continue to allow. Recent correspondence on XX/XX/XXXX I spoke with XXXX, Fraud Department regarding a new fraudulent card issued to XXXX XXXX on my account and attempted charges on XXXX by said person. XXXX indicated that account was closed, a new account was created & card would be mailed, I am not responsible for charges. On XX/XX/XXXX, there are three pieces of mail from XXXX. which includes two more cards on my account issued to XXXX XXXX & one issued to me. I again called the fraud department and spoke to XXXX. She stated that the company would not speak with me until receiving printed documents verifying my identity. This had previously been sent to them but it was dated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93420
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A