Date Received: 2023-10-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX lowered my credit limit for no reason. When I called to make a payment, I realized my credit card account was closed without my knowledge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Please reference complaint # XXXX. This is an ongoing problem with this company but I could not see a place on the previous complaint to edit. I once again made a payment of {$100.00} and I just received the phone call saying that it did not go through because of insufficient funds and they tacked {$30.00} fee on my account. I just went through this whole process with them showing them that their request for payment is not ever even reaching my bank. There has been nothing presented against my account from them. I don't know what payment information they are using or what they are doing but I paid my payments in good faith and I want this XXXX to stop! I want that bad charge taken off of my record and I want the {$30.00} take it off of my account balance. Once again I have attached copies of my bank statement to show that they have never presented anything against my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My cards were charged and the company Paypal and Synchrony stopped taking my payments. They were charging inactive bank account during the fraudulent activity. One card was paid on time and still being paid on time and still being marked late, collection. Still being charged {$34.00} a month without my consent. Can not cancel the accounts or continuous charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In XXXX we purchased two air conditioners from Lowes. We purchased them on the 0 % interest plan. In XXXX at the end of the term we paid off the remaining balance of approx {$3500.00}. Due to an error, the payment left a {$20.00} balance on the account. I do not recall anyone contacting me to address this extremely minor aledged shortage. Why would they think my intent was to defraud them for {$20.00} when I just made a final payment of {$3500.00} Lowes and Synchrony bank proceeded to send derogatory credit reports to the Credit reporting companies which significantly affected my credit score and cost me money due to undesirable interest rates. Late payments were recorded for XXXX - XXXX of XXXX and a charge off was recorded for {$20.00} on XXXX of XXXX. Not only is this amount of charge-off negligible but the late charges were in contradiction to Lowes policy that if the amount of less than {$50.00} it will not be reported to the credit agencies. I learned this by talking to the customer representatives. In XXXX of XXXX I disputed the charge. Lowes and Synchrony Bank reviewed my claim and responded that they had reported the information accurately. In doing so they had my credit report updated to reflect that the charge off had occurred on the date I had disputed the charge. Apparently go retaliate against me disputing the charge in the first place. I know that these departments receive bad marks if they report inaccurately so it is not in their interest to admit a mistake. Now the XXXX credit report shows the late payments as stated above and a charge off of {$20.00} 38 months after it actually occurred. This charge off will remain on my credit report for another 7 years. Approx 6 weeks ago I contacted Synchrony Bank and explained the situation. They had indicated that this was indeed a mistake and that they were submitting a claim to have it removed. The premise for acknowledging the wrongdoing was 1- the balance ( {$20.00} ) was it was below the amount they will report ( {$50.00} ) and 2- that apparently there was some kind of a system upgrade and the data conversion may have made the mistake. Despite this, I subsequently received a letter from Lowes and Synchrony Bank stating that the information had been reported correctly and that no changes to my credit report would be made. On XX/XX/XXXXXXXX I again contacted Synchrony Bank at the number indicated on the letter - XXXX. I spoke to a representative XXXX # XXXX. XXXX was not very helpful and did little to help figure out a solution. While he would admit the amount was not large enough to report to a credit bureau, and that the charge off date was indeed XX/XX/XXXX, he did little to help. I would suggest Synchrony listen to the recording to learn from this experience. This type of customer experience is deplorable. He only interrupted me and said the only thing I could do was to write a letter! In this day and age, they want a letter. Probably by fax. I am now left with no confidence that Lowes and Synchrony bank will fix this error and as such I feel this complaint is my last resort.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022, I purchased a XXXX XXXX XXXX lawn mower, along with a XXXX protection plan from XXXX XXXX Improvement store in XXXX XXXX NC. The total cost, ( including tax ), came to {$2600.00}. I made a {$400.00} down payment, and the balance, ( as I found out later ), was financed through Synchrony Bank. After careful consideration, I returned the lawn mower to XXXX on XX/XX/2022, and my {$400.00} deposit was returned to me in cash. Since the protection plan was included in the total bill, I had no reason to think that the protection plan was not cancelled as well. In XXXX of XXXX I began receiving invoices for the protection plan. I have been trying since then to have the protection plan cancelled and the balance on my account returned to XXXX. I was advised that the protection plan was cancelled XXXX. I did not owe XXXX anything prior to the purchase of the lawn mower, and I have been getting nothing but a run-around, monthly invoices increasing the amount due, and threatening statements regarding the damage to my credit profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
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: 2023-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have complained twice that the inquiry wasnt mines and they sent a response in XXXX and XXXX that they would remove from my credit reports and they havent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90061
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was informed when I called last week XX/XX/23 that I had a non promotional balance of {$1800.00} that i was totally unaware of as it does not show on any stmt. Recently for the past year or more my purchases have been with a 6 month no interest promotional plan. I assumed that some of my payment would be applied to oldest balance first to avoid addl interest but i was told i need to call them each month to let them know to apply payment if i wanted it applied to non promotional balance. Since i was unaware of this balance i can not tell them to apply it. I presumed my previous charges before promotion charges were already paid off since nowhere on stmt does it show this balance. So I would be paying till doomsday & never have this balance paid, because it keeps on growing with more interest applied each month. The balance may have started at {$20.00}, & it has grown to {$1800.00}. I have no way of knowing. I believe this is an unfair practice
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I suspect that Verizon Visa card which is issued through Synchrony Bank does not actually issue all the Verizon XXXX rewards it promises. I noticed this when a reward was not generated for a {$1400.00} transaction I made that was posted to my account. I glanced through the rest of my rewards and I suspect some were missed here and there. I called customer service and they issued the reward on my statement but that was XXXX ago and it is still not showing up in the app where I can use it. I was told it would take XXXX hrs. This is a scam costing me {$14.00} and I suspect more for rewards they have cheated me out of in the past.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Synchrony lowered my spending limit by XXXX XXXX USD due to incorrect information on the credit reports. This information has been updated but Synchrony will not raise the credit limit again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98338
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
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 was charged for goods I never received from XXXX XXXX XXXX. I reported it to the credit card company and they investigated. 10-12 investigations were done and I was told the case was closed in favor of the merchant. I have a letter from the merchant that will write off {$3000.00} dated XXXX XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A