Date Received: 2023-09-14
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XX/XX/XXXX, a representative came to my house for a fence installation project. Lowes offered financing of a 7.99 % simple interest loan and equal payments of {$230.00} a month for ten years through their apartment Synchrony Bank. The total amount of the purchase was approximately {$22000.00} ( which was split into two different payments ). I have been paying on time every month. Recently, the bank started charging me a crazy 27 % of compound interest on the purchase, claiming that the promotion had expired in addition to adding nearly {$5000.00} of interest charged to the account. The bank increased my required minimum payment of {$230.00} or so to approximately {$740.00}. They are damaging my credit due to the inability to make this huge payment that I did not sign up for, they are causing me hardship. I started contacting Lowes and the bank about the issue on XX/XX/XXXX, and to date, I have no resolution. After many attempts to resolve the issue, Lowes admitted they applied the incorrect promotion when they charged my card. Lowes claimed that they fixed the situation with the bank ; however, it appears that neither the bank nor Lowes want to honor the 10-year equal payment terms. Lowes wants to put me on their current promotion, which is 84 months rather than 120 months, with a significantly higher payment still. Lowes was not transparent with me when the purchase was made. Lowes also refused to give me a receipt of a copy of my contract. It is difficult to contact Lowes and their employees are irresponsive. I am attaching an account statement that shows the recent interest charge and change in minimum payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These accounts and inquiries are not mine they was made without my permission, consent inquiries Synchrony Bank Amazon Inquiry : XX/XX/2023 or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 XXXX which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Synchrony avoids human interaction and my issue could not be resolved via their computerized chat feature. Synchrony abruptly reduced my credit limit with no notice or explanation. My credit score recently went up XXXX points but went down when they took this adverse action. I have been sick over the last few weeks and we've had other illnesses in our household. I was late making a payment but not over 30 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
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: I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. I called XX/XX/XXXX to change my new address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My new address was never changed on time. I never received my XXXX statement and I received XXXX statement after the due date, which was XX/XX/XXXX. I sent the payment immediately, then I called them. They were able to waive the {$25.00} late payment, but they still own me $ XXXXlate fee. I have excellent credit score, XXXX plus and my credit score decreased. I want them to restore my credit, I dont have to pay the consequences for their negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10463
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: 2023-09-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Last year I enrolled into a XXXX installment plan for my XXXX XXXX XXXX Synchrony Bank account and it was closed. The installment plan was for XXXX equal payments automatically scheduled on my account and it stated that there was NO INTEREST that was supposed to be charged. It was expressed that all I had to do was make the equal payments and I would be able to pay off the balance. Well on the latest statement I was just charged over {$800.00} interest. This will negatively impact my credit and make it impossible to pay in XXXX equal payments as promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78727
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Synchrony Bank indiscriminately lowers credit limits based on small decreases in credit score due to increased usage of credit accounts, although there have been no over limits, no late payments, etc., without knowledge of reasons for higher credit usage on behalf of the customer, i.e, home repairs, large purchases, etc.. I believe this to be unfair business practice. This has happened to several of my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I want the inquiries to be removed. I didnt authorize the companies to run a credit check the information is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: On XX/XX/XXXX I was contacted by Synchrony Bank asking permission to change my telephone number on my account at which time I said NO. Upon further questioning, I was advised the address was already changed and new cards sent. I asked that they be flagged and new card sent and my address changed back to " my '' address. Later when I was unable to access my account I called back. After 4 attempts I was finally able to connect with someone and eventually transferred to fraud. 3 more called they requested I send a copy of my driver 's license and another credit card bill showing " my '' the address that was on the account before the change in XXXX. I sent, they received XX/XX/XXXX- but I had not heard anything so I called again today. Ultimately was transferred to a " supervisor '' who informed me my documents were rejected and that I needed to now submit a bank statement. I asked several questions which he was unable and/or refused to provide answers. Basically said to send the document and it will take another XXXX days to process. Asked if they will contact me this time and would not provide an answer. I am XXXX XXXX XXXX. This is extremely upsetting and the lack of customer service, assistance, communication from Synchrony is just unacceptable. What actions as a consumer do I have to get a timely acceptable resolution?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Around XXXX XXXX on XX/XX/XXXX - I called the customer service number. I made payments but I still had customer service call me to find out if payment has been posted. The customer service person was slurring and sounded drunk/high. When I told him I can not understand him. He became aggressive and started yelling the answers at me. I asked him if I have a balance he said no. I told him I keep getting calls from bill collector than he says yes I have balance. I told him I have 2 cards. One is store card and one store mastercard - which one has balance. He said he CAN NOT tell me. I authorized who I am and recited last 4 numbers of the 2 cards so I know which one to pay. He kept cutting me off saying NOPE, NOPE, NOPE. Than I told him he is extremly rude and I need a manager. He than mumbled " Too Bad '' followed by I am sorry after I mentioned I am reporting to CFPB. This person sounds unhinged and I am afraid he has access to home address, social security number etc. This is how peoples credit score gets impacted and creditors show missing payments when trying to make payments. I still do not know which account has the balance and how to pay it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
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: XXXX XXXX XXXX sales person talked me into a store credit card issued by Synchrony Bank to buy my furniture by offering XXXX year interest free. I agreed to card and purchased items on XX/XX/XXXX. On XX/XX/XXXX the items were delivered. On XX/XX/XXXX the seat chair of XXXX recliner collapsed and fell which made the recliner inoperable. I notified the store on XX/XX/XXXX and the manager did not call me back as promised. On XX/XX/XXXX I visited the store and the manager asked for pictures and said he would see if there could be an exception to the XXXX day return policy. I was frustrated because this return policy was never mentioned and if I would have used my XXXX I could contest the charges. I looked in the store for other recliners, but they were all wider than the XXXX inches that my living room allows. By XXXX XXXX XXXX ( store manager ) still had not offered a resolution and I called store again. On XXXX he called me back and offered a store credit. A store credit is of no use to me because I am an XXXX lady with XXXX XXXX XXXX XXXX. I do not want to make payments on broken furniture and I believe the merchant has a XXXX day return policy to only benefit themselves instead of the consumer. I am asking that the money to be refunded to my card immediately so that I can buy XXXX high quality chairs from a reputable merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32250
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A