Date Received: 2023-09-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am currently in the process of buying a house and needed to take care of my Synchrony/Discount Tire Credit Card . I was only notified when I was trying to pay my balance in full that my account was charged off to XXXX XXXX XXXX. I was never contacted to show that this company was now in possession of my loan. Once I spoke to XXXX XXXX on Monday XX/XX/XXXX and paid the account in full, I received a Release of Debt letter the day after through email. I then asked if there was somehow this could be sent to Synchrony by electronic letter and was told yes. I spoke to someone else and they said that this was false information and that it could take up to 60 days for Synchrony to receive the information that the account was paid in full. I then spoke to Synchrony and they said that they could not speak to me because my account belonged to XXXX XXXX even after my account said closed on the XXXX portal. I asked who I could send the Release of Debt letter to and they said they could not help me answer that. Between both companies, I have been left with unanswered questions and now I am at a stand still. If it is closed with XXXX XXXX and with Synchrony, who does this account belong to? This account needs to be shown that it is paid in full on my credit report and I was given a timeline of up to 60 days for Synchrony to receive the information and that it could take Synchrony 30 days to report to the credit bureau. I am needing this information to show up on my credit report in time for a credit repull on XX/XX/XXXX. Please help me expedite this release of debt to reflect on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
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'm writing to specifically dispute a charge off by Synchrony Bank for a charge on a Lowe 's credit purchase, based on a mistake by a Lowes sales associate, WHICH LOWE 'S HAS FULLY ACKNOWLEDGED! I bought a XXXX refrigerator in XX/XX/XXXX and returned it within the 30-day return window in XX/XX/XXXX. The refrigerator was picked up by Lowes free of charge, but the Lowes sales associate apparently failed to also return the accompanying 5-year warranty and did not give me a receipt for the return. Apparently the cost of the warranty and subsequent late charges remain on my now closed account. ( I say apparently because exactly what I was charged for and the initial amount I was charged kept changing. ) I made SEVERAL calls, returned to Lowe 's in person on many occasions, and in the spring of XXXX on one occasion, a Lowes rep from their Extended Protection Policy department tried to have the charge removed in a 3-way call between me, the Lowe 's rep and a rep from Synchrony Bank . In that conversation the Synchrony rep told me my dispute was denied for reasons she could not articulate at which point I hung up. After discovering the charge off when applying for a car loan, I sent an email earlier this year in XXXX to a number of Lowe 's and Synchrony executives. This supposedly resulted in an investigation by Synchrony Bank Senior SpecialisXXXX, XXXX XXXX, who sent a formal letter informing me that the charge remains on my account because their records show that Lowe 's " processed a refund '' in the form of a check, which is simply not true. I received letters from Synchrony Bank informing me that I had to contact Lowe 's 'EPP ' department regarding a refund of the warranty, which I did on TOO MANY OCCASIONS TO COUNT! Each time I was told there was no record of any refund and I had to contact Synchrony. In any case, I HAVE NEVER RECEIVED A CHECK FROM LOWE 'S OR SYNCHRONY BANK IN ANY AMOUNT - EVER! And if the " processed refund '' was in the form of a credit, A CREDIT IN ANY AMOUNT OTHER THAN THE PRICE OF THE REFRIGERATOR HAS NEVER APPEARED ON MY BILLING STATEMENT - EVER! In fact, the on duty manager of the Lowe 's store in question spoke to a supervisor in the Extended Protection Policy ' dept. in the spring of XXXX, ( because I was told by a Lowe 's rep on the phone that I could not contact an 'Extended Protection Policy ' Supervisor ; that I had to go to the original point of contact - again - and ask a manager to follow up on any " processed refund '' ). That supervisor, XXXX XXXX XXXX ' told us that my account showed no record of any check or EPP refund being processed. Furthermore, according to the copies of the Lowe 's billing statement I've attached, I was actually charged for " deferred interest, '' not a warranty, and of course I shouldn't have been charged interest in the first place because the refrigerator was returned. ( In the letter sent to me by XXXX XXXX, the amount of the phantom " processed refund '' of {$270.00} differs from the actual cost of the 5-yr warranty I purchased, which was {$220.00}. In fact, the amount I was charged on various billing statements- with or without late charges - fluctuated, making it impossible for the four different Lowe 's managers I met with at various times to determine exactly what I was being charged for. ) And please note, in an additional Synchrony Bank letter also attached, Synchrony doesn't state exactly what I was charged for and instead offers varying explanations for the charge - none of which applied in this case. ( However in one copy of a billing statement, also attached, {$270.00} is in fact listed as deferred interest. ) And again, to be clear, according to letters from Synchrony I needed to call Lowe 's at the number provided in its letters to ask about the refund 'their records show was processed. ' But IN EACH AND EVERY CALL TO LOWE 'S I was told there was no record of any such refund and I needed to contact Synchrony Bank. ( Minus my final call during which the Lowe 's rep informed me that only the store manager could speak to a supervisor, hence the in-store call to XXXX XXXX ' ) Bottom line here - an error by one Lowe 's sales associate has been immeasurably compounded by Synchrony Bank and become a protracted, outrageously agonizing and ultimately very costly burden on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an account saying I have a current balance when I never opened an account. It says I have past balances due and is affecting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have already sent in a complaint here is my complaint ID XXXX. I didn't ask for the promotion on the card and didn't even know i was even in one. Then I get on my account and see that you charged me XXXX XXXX in interest and my refund was gone. This was not ethical at all and I feel like I was taken advantage of. I am a good citizen and I work hard and pay my bills and normally wouldn't even report it but I feel like It was done on purpose. How can you charge me these amounts when i didn't even ask to be in the promotion. This needs to be settled it was unfair I am not saying pay off my entire account I believe i deserve the interest back from the promotion. When i went to talk to customer service they cancelled my account and put me on a payment plan when I said no.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85704
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I borrowed the money from bank to pay them off and they took more money from my checking account after they were paid in full. They were paid off on XX/XX/2023 and on XX/XX/2023 they took another payment from my checking account. I made a copy of all of my payments before they locked me out and I called them and asked for a refund of the over payment. They said that it would take a couple of weeks and they would refund the over payment. and I still have'nt received it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 475XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 I opened a XXXX credit card to use for my car expenses, XXXX had a promotion with synchrony bank offering a {$100.00} visa gift card when opening a card to use for repairs. I made XXXX attempts to pay the card off in the following weeks but was told by phone it was too early to make a payment. When the billing statement arrived in the mail I made another attempt to pay off the card from my checking account... but I kept receiving notifications that the payment was rejected. I called my bank and they explained I was using the wrong routing number. I immediately corrected the problem and made a payment in full several weeks before the due date. I was notified by synchrony bank that my account had been closed due to DISHONORED payments. I called to explain the situation and was told they sent this info to my credit report and I no longer qualify for the promotion of {$100.00} gift card. They said there's nothing else they can do even though I made the full payment weeks before the due date. Now I have a mark on my credit report and no gift card for a simple mistake of entering the wrong numbers into the phone. This is unfair and I have excellent credit... ..this was an excuse by synchrony bank to hurt my credit and keep their gift card!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Hello CFPB agent ( s ), I have the venmo visa card and I reside in California. I made a large payment on my card ( {$2000.00} ) on XX/XX/23 and it finalized on XX/XX/23. My payment has still not been applied to my account. I have called several times and gotten different responses from customer service and managers. They are effectively holding my money hostage without providing me my credit on my account for my payment. I believe they are in violation of their terms of service. Please help me. Thank you, XXXX & XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
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: On XXXX XXXX XXXX XXXX claimed to have delivered an item to my home address. But no delivery was made on that day. I have checked our XXXX and questioned everyone in our home, but there was no delivery trace. I checked my XXXX app to report the situation, but I was advised to wait at least two business days because sometimes couriers mark an item delivered before they do. I waited three days, and nothing happened. Between XX/XX/XXXX and XXXX, XXXX I called and chatted through the app with XXXX to notify them of the situation and get a resolution. But they kept XXXX ( excuse my XXXX ). As a result, I reported the incident to Paypal Credit on XX/XX/. I continued to dispute and contact them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXX Paypal Credit claimed to have received proof that I had received the item and continued to seek payment. As a result, I closed the account and requested a copy of the evidence they claimed to have so I could pay them ( In case I have lost my mind ). As of today, I am still waiting to receive evidence that supports the PayPal credit claim. But PayPal Credit continued to send me bills with penalties, Interest, and other ridiculous charges. Also, PayPal Credit continued to supply credit bureaus with derogatory remarks on my credit profile. The Fair Credit Billing Act ( FCBA ) requires PayPal Credit to investigate a dispute thoroughly. But they failed to do so and continued to make a decision consistent with a description of discrimination. They also could not establish a factual obligation that requires me to pay them. Remember, the account was closed on XX/XX/, to the satisfaction of Paypal Credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/23 I went to download my paypal credit statement. It said the paypal app needs storage permissions to be able to download this. I went to app settings because unlike any other app in existence it didn't pop up with a way to easily do this.. I went back to the app and received the same message even though I specifically authorized storage permissions. I then tried to access my statement via the paypal website and as soon as I logged in it force opened the app. They are denying access to my and XXXX knows how many other peoples statement ( XXXX ) and obviously need you to go hold their app development teams hands to get it fixed as their support team litteral told me " theres nothing i can do about it ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I received information that a credit account was opened using my information. I did not authorize this account. The perpetrator used the card linked to my information and my credit score is negatively impacted along with thousands of dollars in charges. This has happened twice with the same bank : Sychrony. I would like a freeze to be placed on my credit that no accounts may be opened until this matter is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29650
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A