Date Received: 2023-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX continues to report and attempt to collect a past due balance, despite my continued disputes, on a collection listed on my credit report. This debt has been paid in full since XXXX of 2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 500XX
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Have a Hard Inquirie on crdit report from Syncb/Lowes PLCC . This is not me. I moved from my home 2 years ago and the new tennant is fraudulently tyring to open crdit cards in my name. Please remove Hard Credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: I have been using PayPal for over a year and recently PayPal changed their usage structure without notice. Now I am unable to make payment or purchases with my available credit " unless it is an approved purchase and approved vendor. '' I have an open line of credit that is in good standing but can nolonger access it as needed as before but am still being charged usage and interest fees without an ability to make any use of the line of credit. They are forcing clients to open separate accounts to be able to use account properly. They have been pushing a debit and savings accounts that are now needed to use credit lines.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77504
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony Bank manages the credit card accounts for Walgreens ( I.e., {$500.00} limit ), ShopHQ ( I.e., {$1500.00} limit ), and Sam 's Club ( I.e., {$1000.00} limit ). On three separate occasions, I was while in each of the stores, I preapproved for an account during the check out process for a purchase, and accepted the account. Over a period of one year, Synchrony Bank began reducing the credit limit to the current balance following a payment, until they finally closed the account. With the exception of one late payment on the Walgreens account in XX/XX/, all monthly payments were made on or before the due date. Each time Synchrony Bank lowered the credit limit, my credit score was negatively affected. The closing of two accounts, ShopHQ and Sam 's Club, further devastated my credit score. The Walgreens credit account limit has been gradually reduced from {$500.00} to {$100.00}. The customer service representative stated that the decisions were due to a scoring system Synchrony Bank uses to determine creditworthiness. However, Synchrony Bank 's practices appear discriminatory or targeting in nature. There were extenuating circumstances due to my sons ' illness and unexpected death. In fact, this information was shared with Synchrony Bank and other creditors to explain the high use of credit accounts was due to my son 's illness and his lack of benefits. Synchrony Bank is the only creditor who responded in this manner. All of my accounts are paid as required. In XXXX XXXX, I contacted customer service to explain the reason for the one late payment to Walgreens, which was approximately fifteen days late. My son had been ill and passed away on XX/XX/. I was concerned that Synchrony Bank would continue to reduce my credit limit. I explained that Synchrony Bank had closed ShopHQ and Sam 's Club accounts when all payments were made on time. The representative stated the bank would not reduce a limit or close an account for one late payment. However, on XX/XX/, I logged into my Walgreens account to make a payment and discovered the credit limit was reduced to {$100.00}. I contacted Synchrony Bank via an online Chat. They do not post a telephone number for customer service. Once again, the representative stated the bank does not close an account or reduce a credit limit for one late payment. I explained my past experience with Synchrony Bank. It took several minutes communicating in the Chat before I received a telephone number to call ( XXXX ). I contacted customer service to file a complaint for discrimination and the pattern in which my three accounts were targeted, then two were closed. Subsequently, the representative, XXXX, informed me that she couldn't guarantee I would be contacted by the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
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 products from XXXX which got stolen so I initiated a dispute with Synchrony Bank ( who operate the PayPal credit card I used ) that the items I bought were not fulfilled. They closed the dispute saying XXXX would refund. Thats fine so I reached out to XXXX but they said the dispute is still seen as open on their end so they can not give the refund until it is closed. I asked for a dispute closure statement or letter from Synchrony in XXXX. It is now late XXXX. They sent the letter twice ( supposedly ) and I have not received it. I need this letter to get a refund. Now I have had to pay the full amount on my credit card bill because I can not get the physical letter. Also they refuse to send me an electronic copy. I accidentally filed a dispute to the wrong company earlier ( ID : XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98033
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Venmo was supposed to purchase {$47.00} in etherium as my monthly credit card spend reward. The transaction bounced, Venmo told me it's bc of me, although it is their rewards system. I reached out three times, nobody there seems to be capable of reading / digesting / comprehending what I'm saying, it feels like they're deliberately cheating me out of my earned rewards. This is malice, with intent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78746
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I want to share my serious concerns about deceptive practices at XXXX XXXX XXXX. On XX/XX/, I had a routine check-up that left me feeling scammed and deeply disappointed. During the appointment, I was told I needed a costly XXXX XXXX and XXXX XXXX, totaling {$3000.00}, with an additional {$7000.00} for a new XXXX. When I inquired about having the XXXX XXXX without the expensive XXXX XXXX, I was told it wasn't possible. I explained that I couldn't afford the XXXX XXXX, and the representative, XXXX, offered financing options to cover it. I specifically mentioned my concern about credit inquiries negatively affecting my score and asked if this would result in a hard credit pull. XXXX assured me it was only a pre-approval check and wouldn't impact my credit score. Trusting her, I proceeded with the application, which was approved at {$78.00} per month. However, I later discovered that XXXX had opened a credit card in my name without my consent with {$3000.00} limit, resulting in a hard credit inquiry. When I confronted her about this breach of trust, she showed no remorse. The dentist 's initial claim of {$7000.00} for a single XXXX XXXX seemed outrageously excessive, raising ethical concerns. Feeling deeply upset and deceived, I sought another dentist who offered the same procedure, including the XXXX XXXX, for only {$900.00}. The stark difference in pricing left me questioning the ethics of XXXX XXXX XXXX. To compound my distress, the unauthorized hard credit pull caused a significant XXXX drop in my credit score, lowering it to XXXX. Although I followed the dentist office 's advice to contact CareCredit to report fraud, they only rectified the credit card issue after a considerable effort on my part. My credit score has since recovered to the high XXXX. In summary, my experience at this dental office was marred by high-pressure tactics, unauthorized financial actions, and excessive pricing. I strongly urge anyone considering this establishment to carefully research their options and be vigilant against unethical practices that can lead to financial harm and emotional distress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX knowingly engaged in predatory behavior. XXXX XXXX also knowingly violated the Fair Credit Reporting Act by providing innacurate information related to Hard Inquiries, number of accounts & age of credit history
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am remodeling my kitchen and the total cost exceeds {$25000.00}. I applied for a Lowes credit card, issued by synchrony bank, in late XX/XX/. I was approved for a credit limit of {$4000.00}. I mailed a check from my personal bank account for {$21000.00} and synchrony bank cashed the check on XX/XX/. It cleared my bank account on XX/XX/ XXXX The funds were not available right away, so I charged close to the {$4000.00} limit on the card and paid for my cabinets from Lowes on my XXXX card. This left a large credit balance since I was unable to use my Lowes card for my cabinets and countertops as I had planned. A few days later, synchrony bank closed my Lowes card stating that the transaction was possibly fraudulent. The closure of the account trapped my credit balance refund on the card and even though I have asked several times for a credit balance refund, synchrony bank refuses to return my money. They act as if I am a criminal when I was just trying to make one payment to my credit card to cover my entire kitchen project. If they had kept my account open, I would have purchased new countertops and new appliances, using part of my credit balance up in the process. Synchrony bank will only communicate with me by letters sent via US Mail, which take weeks to get to me, delaying my responses. I can not respond to a letter request until I get it in the mail. I sent a secure email message to synchrony bank with the check image proving it had cleared my bank, but they refuse to accept it. I also had my bank fax over a copy of the same check, hoping if synchrony bank had proof directly from my financial institution, it might move things along. Synchrony bank claims to not have either copy. I am being forced to provide copies via US Mail, which means I have to wait weeks for my refund. The bank is purposely delaying the return of my money for no valid reason. I am paying interest on my other credit cards because I need that money to pay the other creditors off. It has cost me over {$500.00} in interest so far. I am very angry that synchrony bank is doing this to me. I had an Amazon Store Card issued by synchrony bank for almost 10 years, so I was already a customer of synchrony bank. I paid that card faithfully, in full every month with XXXX late payments. That alone should show that I am a trustworthy borrower. I have just today closed my amazon store card. I refuse to give synchrony bank and more of my money. They have lost my trust and they will never get it back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34974
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
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: Problem : I ordered two items from Amazon and never received them. I paid for them using my Synchrony Amazon Credit card. XX/XX/ -Requested refund ( {$26.00} ) letter- USPS mail Synchrony Bank didn't respond to request for refund until I emailed them on XXXX through the web site.Basic response was they are looking into it. XX/XX/ - Synchrony Bank decision, they were not going to refund me {$26.00}, because Amazon said I received the items ( diced pears and freezer pops ). The information Amazon supplied to Synchrony Bank Clearly shows I did NOT receive these items. XX/XX/ - through Synchrony website I submitted a reply with additional supporting documents. I inquired a couple of times to see if they were reviewing the additional documents, with no response from them. XXXX XXXX XXXX attempted to submit the documents again. I get a message " try again later ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A