Date Received: 2023-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/23 I was in XXXX XXXX store in XXXX XXXX. The cashier asked me if I wanted their frequent shopper card ; I replied " Yes, if it is not a credit card. '' She told me it was not a credit card and proceeded to ask my name, address, etc. When she asked for my ID and Social Security #, I again asked " Are you sure this isn't a credit card? I don't want a credit card. '' She assured me it was not, stating " They want this information even for the frequent shopper card. '' About 4 hours later, I received an email from XXXX stating there was a hard credit inquiry on my credit file from Synchrony Bank. The XXXX XXXX cashier had signed me up for a XXXX XXXX XXXX credit card, not a frequent shopper card! I immediately called Synchrony Bank to cancel the credit card and to explain the card was opened without my consent. That same day after talking with XXXX again plus XXXX and XXXX, they all informed me the hard credit inquiry remains on my credit report for 25 months and only Synchrony Bank can remove it. I have called Synchrony Bank 3 more times to have the hard credit inquiry removed, each time speaking with a different person and each time explaining exactly what the problem is. They have sent me 4 letters, 3 of them identical wording, stating they will not remove the hard credit inquiry because " all the information on my credit file matches with the information supplied at the time of application. '' I mailed them a letter XX/XX/23 explaining my complaint is that I did not knowingly apply for a credit card. On XX/XX/23 I spoke with a manager of XXXX XXXX who told me she can't do anything to help me, only the bank can. She also told me there is no frequent shopper card. She said the staff would be retrained and " I'm sorry, but you came in the wrong week to shop! '' Synchrony did close the account immediately and sent me two letters stating that. All I am asking is to have Synchrony Bank remove this hard inquiry from my credit file because it affects my credit rating and the card was issued without my consent and authorization. It was misrepresented to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I bought some furniture from Ashley furniture in XXXX bought almost XXXX of furniture for a new home and asked to not add protection plan for XXXX I didnt think nothing off it then the furniture started pealing and I went to the store they asked me did I have protection plan I told them no and the employee ended of still checking and advised I had it and my response was wow I dont know if thats a good thing or bad thing so I went home and filed a claim, sent the pictures and was denied as if it was my fault I reached out to Synchrony to dispute multiple times of the amount because it was not supposed to be there and then later the charge came back reached out to location XXXX GA XXXX to a representative almost XXXX min of my life where I bought it from never can get in contact with store XXXX its always something she assured me the XXXX would call back I have been to location and still no success so I finally went to XXXX Ga XXXX XXXX to someone named XXXX she XXXX extremely helpful I advised if she could please reach out to her store XXXX on what to do because upon calling the Protect All By XXXX company back XXXX of the representatives advised you should get your money back you didn't use it and the store should refund you store XXXX got in touch with me and advised it was already a complete sale the warranty company should help with that point of sale ok so I reached back out to warranty company spoke to XXXX XXXX and XXXX advised she would reach out to corporate to request a refund well never heard anything back reach back out week of XXXX told me to wait reached back out to warranty they advised give it more time then called warranty back to speak to XXXX XXXX and was XXXX XXXX was down and XXXX would call back XXXX did not happen called today XX/XX/XXXX spoke the XXXX and she was extremely nasty and not willing to help at all pretty much gave me the option to figure it out so I am requesting my money back of the protection plan of XXXX or credit back to my XXXX Synchrony account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I contacted Synchrony and told them this is not my account. The were to do an investigation. They say it is my account but it is not. At first the account had a Georgia address. The just changed the address to my current address.I called and filled out paper work and I explain that it was not my account. They then change account number. I never apply for the XXXX XXXX. I do not have their card. We are getting no where with their investigations. The card was opened some time in XXXX. The balance is over $ XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34652
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Dear Sir / Madam, This is regarding the consumer account ending in XXXX ( formerly XXXX ) which as of XX/XX/2023 has been charged with deferred interest in the amount of {$590.00} The purpose of this letter is to dispute the legitimacy and legality of this interest charge which is in violation of the Code of Federal Regulations under 12 CFR Part 1026 due to the failure on the part of Ashley XXXX XXXX, XXXX ( hereinafter referred to as Ashely ) and Synchrony Financial ( hereinafter referred to as Synchrony Bank ) to follow the guidelines set forth in 12 CFR Part 1026 which I will outline below; Under 12 CFR Part 1026 1026.16 ( b ) ( 2 ) ( 2 ) If an advertisement for credit to finance the purchase of goods or services specified in the advertisement states a periodic payment amount, the advertisement shall also state the total of payments and the time period to repay the obligation, assuming that the consumer pays only the periodic payment amount advertised. The disclosure of the total of payments and the time period to repay the obligation must be equally prominent to the statement of the periodic payment amount. Note : Neither the advertisement from Ashely nor the loan documents or subsequent statements disclose the monthly payment amounts needed to pay off the extended credit during the promotional period in order to avoid interest charges. 1026.16 ( d ) ( 6 ) ( ii ) ( C ) ( C ) In the case of a promotional payment, the amounts and time periods of any payments that will apply under the plan. In variable-rate transactions, payments that will be determined based on application of an index and margin shall be disclosed based on a reasonably current index and margin. Note : Again here, the amounts were not disclosed. 1026.16 ( h ) ( 3 ) ( 3 ) Stating the deferred interest period. If a deferred interest offer is advertised, the deferred interest period must be stated in a clear and conspicuous manner in the advertisement. If the phrase no interest or similar term regarding the possible avoidance of interest obligations under the deferred interest program is stated, the term if paid in full must also be stated in a clear and conspicuous manner preceding the disclosure of the deferred interest period in the advertisement. If the deferred interest offer is included in a written or electronic advertisement, the deferred interest period and, if applicable, the term if paid in full must also be stated in immediate proximity to each statement of no interest, no payments, deferred interest, same as cash, or similar term regarding interest or payments during the deferred interest period. Note : The advertising material published by Ashley via XXXX mailers clearly state the special promotion as Interest Free for the specified promotional finance period without any mention of a term or disclaimer such as if paid in full nor is such a term mentioned in any of the official bill of sale or loan contract documents. ( 4 ) Stating the terms of the deferred interest or similar offer. If any deferred interest offer is advertised, the information in paragraphs ( h ) ( 4 ) ( i ) and ( h ) ( 4 ) ( ii ) of this section must be stated in the advertisement, in language similar to Sample G-24 in appendix G to this part. If the deferred interest offer is included in a written or electronic advertisement, the information in paragraphs ( h ) ( 4 ) ( i ) and ( h ) ( 4 ) ( ii ) of this section must also be stated in a prominent location closely proximate to the first statement of no interest, no payments, deferred interest, same as cash, or similar term regarding interest or payments during the deferred interest period. ( i ) A statement that interest will be charged from the date the consumer becomes obligated for the balance or transaction subject to the deferred interest offer if the balance or transaction is not paid in full within the deferred interest period ; and ( ii ) A statement, if applicable, that interest will be charged from the date the consumer incurs the balance or transaction subject to the deferred interest offer if the account is in default before the end of the deferred interest period. Note : Nowhere in the Bill of Sale or in the loan contract does is clearly disclose or mention a statement that indicates the date when interest will be charged from or the exact date when interest will begin incurring in accordance with paragraphs i and ii above. Considering the above nonconformance to the XXXX on the part of Synchrony Bank and its retail partner, Ashley on this transaction, I have offered, in good faith, to settle this account and pay it off in its entirety, less the deferred interest amount charged retroactively in XXXX of XXXX in the amount of {$590.00}. Hence, I have offered to pay a lump sum of ( {$1100.00} - {$590.00} ) = {$520.00} which includes the remaining principle plus accrued interest since the lapse of the 12-month interest free promotional period. Thereby, with the payment of {$520.00} settling my obligations entirely with this account. I gave Synchrony Bank ten ( 10 ) business days from the receipt of this letter to respond to this dispute this or provide a counteroffer of settlement. No response was received within that time period, despite several attempts via Certified Mail to the company 's official addresses in both XXXX, FL and XXXX, PA. The first letter was sent on XX/XX/2023. No response was ever given. Kind Regards, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, MD XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 214XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had paid off this card within one year of my card use, to avoid the interest. XX/XX/ statement, included a large interest charge,. I called the company to see why was I charged this. They said I had a balance that was not paid on my first purchase. I paid off the balance and had not used the card for about 7 months. So I asked the rep to send me a copy of all of my statements, she said she would, I never recieved them. so I called again, explained my case, and was told he would be sending them in 14 days, plus he was very rude, so I told him to close this account, because I do not want to be charged any more interest than they are already charging. So I called a third time, and the rep told me, he could not send me the statements, because the account is closed, the reason I closed the interest charge and poor customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61103
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I just checked my credit score and realized a credit card in my name that I never opened. The credit card is called XXXX and there is a {$8300.00} balance. I didn't even know about this card. I contacted XXXX and tried to notify them this is fraud and they absolutely refused to close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This is my response to Synchrony Bank ( XXXX ). This is not resolved. I am trying to move on, but Synchrony won't let me. They made a lot of claims, that's fine, however, please note after only a couple of months paying for my items and paying on time, XXXX. dropped my credit limit from {$1000.00} to {$460.00}, saying my credit was bad. I contacted XXXX, and my credit was good... XXXX. dropped my credit limit with them because I started lodging complaints with them about their product, service and confusing promotions. I believed I had every right to question policies. Shortly after dropping my credit to {$460.00}, they charged me {$75.00} interest on my next statement. My interest payments went from XXXX, {$2.00}, {$3.00}, etc ( small amounts ) to {$75.00}. I also questioned the giant increase in interest payments- not to start problems but to try to understand why! All of that is forgotten. I am trying to move on. I need to purchase a piece of furniture from XXXX XXXX. XXXX. is their finance company, and when I went to finance the furniture at XXXX XXXX XXXX. denied me. I couldn't understand why. I contacted XXXX and was told my credit is fine. After XXXX. denied me twice, I received an email from them saying " oops, we made a mistake. Your credit is fine, but you can only shop at Mattress Firm and you can only have {$460.00} to make your purchase ''. I don't want to shop at Mattress Firm because the bed I purchased from them last year - sags- and is bad for my back. XXXX. is the only finance company XXXX XXXX uses. I need XXXX. to allow me to make a purchases from XXXX XXXX, after all, if my credit is good to shop at one store, it's good for another. I want to be free of this XXXX. nightmare, all I want is to purchase from XXXXXXXX XXXX and for XXXX. to lift the restriction. If they are only going to give me {$460.00} in credit- so be it - but transfer that to XXXX XXXX. I've done nothing wrong but 1. maintain good credit 2. ask questions 3. ask questions of XXXX. and they retaliated by lowering my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91750
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
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've requested from Synchrony Bank a itemize copy of my transactions showing me the balance with every transaction my balance keep getting higher when I purchase something but when a payment or return is added to the account I don't see the deduction and the balance keep getting higher. I've contacted the Bank several times asking for this informationI I was hung up on several times saying they don't do that. All the online shows the amount added and the deduction but the balance stays the same or go highter that's why I asked to see the balance everything their is a transaction, this is all I'm asking for so I can go over it with the hard copy, I'm in my XXXX '' XXXX so I'm a little slower than a younger person to understand different things that's why I need a hard copy of each transaction and then show the balance afterwards.It is a disability for me to just look at the charges and deduction without a balance showing the amount after each transaction
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33541
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The fraudulent inquiry was applied to my credit file on XX/XX/XXXX by XXXX XXXX without my consent. The letter provided to me by XXXX XXXX on XX/XX/XXXX, requesting removal, was approved. However, it contained incorrect inquiry dates, and XXXX refused to remove the inquiry. Please refer to CFPB case # XXXX. Kindly issue a new letter to me with the correct information and promptly submit this removal request to XXXX Credit Bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Sam 's Club is not reporting my credit information to XXXX and it is negatively impacting my XXXX credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A