Date Received: 2023-09-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Synchrony Bank has long ago locked me out of my credit card accounts which has prevented me from viewing my monthly account statements and making payments. Again, I demand that Synchrony bank sent me monthly statements for every one of my accounts for the last 14 months via US Mail and via an attachment to your response in the CFPB portal. Moreover, I urgently need the entire card agreement for each of the accounts so that I may view it along with statements which you must provide. I have downloaded various account agreements for different accounts from the CFPB database but I need to receive the agreements from you in the event data submitted to the CFPB is not accurate and complete. Due to your past refusal to provide me with data and agreements and comply with your obligation of the FCRA, I have claims against you significantly greater than your disputed claims. I hereby elect, choose and demand that we resolve our disputes with the XXXX which is the only available forum for dispute resolution. You must file your claims against me with the XXXX for IN PERSON hearings.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
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: XX/XX/2023 XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Bank I live in XXXX ; California and I am a XXXX retired grandmother. On XX/XX/XXXX of this year ( XXXX ) I went into XXXX located at XXXX XXXX XXXX XXXX XXXX California, phone # XXXX. I had been looking at the XXXX XXXX XXXX XXXX machines for some time. On that day I purchased a XXXX XXXX machine. The cost including tax was {$2400.00}. ( Copy of Receipt enclosed ) Not a small amount for me as I am retired and living on a limited income. The distressing part is this. I applied for credit to get interest free payments for 1 year through Synchrony Bank. My Credit was approved for {$10000.00}. The sales lady ( XXXX XXXX? ) then used the credit card number to make the purchase. She kept having trouble with the credit terminal and kept repeating the charge saying it was not going through. I asked her Are you sure you are not charging me 3x for the same machine? Her reply was no she was not because she was not getting a receipt of sale from the terminal. You can imagine my shock when I received my first statement and found 3 charges for the same machine totaling {$7400.00}!!! ( Copy of statement included ) The greater shock came from the way I have been treated when I notified XXXX and Synchrony Bank. I called XXXX who gave me the number to the XXXX department and talked with the manager. She told me it was the credit companys fault. They couldnt do anything about it. I explained to her, her sales lady put the charge in 3 times. Still insisted it was a credit card terminal issue but she would notify her manager to see what could be done. I still needed to dispute the charge through Synchrony Bank. So, I did. To my dismay I was told it would be a minimum of 60 days to resolve. That is ridiculous and here is why : When purchasing the machine, the sales clerk had to scan the serial number. If someone was to check they could easily see the same serial number on 3 machines!!!!!!! I waited for almost 60 days to follow-up and was told it was not up for review for until the XXXX of XXXX. WHY??? This is not a difficult resolution to figure out. We were getting ready to make a long trip for a family reunion and would be gone for 3 weeks. Right before I left, I received a letter saying I was being credited for 1 machine. I was charged for 3. ( copy included ). To date I have not received any credit so I called Synchrony again. I was told by a very nice lady that she could see the error the 3 charges and looked to see what happened. she told me they had only credited me for 1 machine and then recharged me for it. She would have to dispute it again.and it would take another 60 days. Are you kidding me? This affects my credit rating regarding debt ratio. I am at my wits endYou all have a deficit in your process. It should not take this long and this much confusion to credit a mistake made by the sales clerk at XXXX or for Synchrony Bank to rectify it. I am copying the CEO and Board of Directors for XXXX, Synchrony Bank CEO and Board of Directors and I have filed a complaint with the Consumer Financial Protection Bureau-Complaint Department XXXX Somebody help me! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Synchrony Bank Board of Directors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau-Complaint Department
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95348
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: it's abou the paypal master card issue by synchrony bank XXXX XXXX XXXX XXXX I made a payment of {$250.00} few weeks ago, and they told me that it was a new account, the payment couldn't be post right away, and I got a declined when I tried to pay for my food at a restaurant this evening. It's totally ridiculous
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11223
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a new account with Venmo. I have made my payments in XXXX of {$150.00}, {$200.00}, and {$500.00} dollars because I have been using my venmo card and I was paying down the balance. I have used my checking account to make these payments and all payments minus the {$500.00} payment has directly went to my card. I made the {$500.00} payment on XX/XX/XXXX and it still has not shown as credit on my card, which means I am still paying interest on items that I should have paid off. It also means that on the XXXX the payment cleared my checking account so they have gotten the full amount but still have refused to apply it to my credit card. When I called Venmo they said they can't do a thing. I asked to speak to a manager and they put me on a 45 minute hold until I finally gave up. I have written to them and asked them to release my money to my account and they said I only deposited {$300.00} dollars and it was released, when my banking account and my credit card account both show {$500.00} payment. I have tried multiple times to have them release my money onto the credit card account they refuse to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
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: On XXXX XXXX I used my Synchrony Bank credit card for the purchase of white coloXXXX leather sectional furniture, two coffee tables and one console table from Mattress XXXX XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX. The delivery and installation service were scheduled on XXXX XXXX and the shipment came in a truck in several big boxes along with two installation service men from the store, they first opened the coffee tables and console table, later on before bringing the big boxes of furniture from the truck to my house, I checked the boxes and noticed that color of furniture was wrong, it was Silver not White then did allow the service installation people to bring the furniture boxes inside my house and immediately called store manager XXXX XXXX and informed about the wrong product delivery, did not accept the delivery and product was returned back to the store on the same day. Although the store installation service men left the coffee tables and console at my house and told me they will come back and collect these, but till now they never came. The following day on XX/XX/2023, I went to store and met XXXX XXXX and asked him to either deliver the right product or refund my credit card, he ignored both options. I gave him three more days as good faith, but the store neither delivered the furniture nor refunded my money, I had four more telephonic calls to the store, and they never acted. As proof you can get the call recordings from XXXX, my cell phone carrier. I informed Synchrony Bank and disputed the charge, at first in XX/XX/2023, Synchrony Bank removed this pending transaction, then I went to a different store and purchased furniture. In XXXX, 2023, I noticed this {$5000.00} change again on my card, I contacted Synchrony Bank again and they opened a new dispute, after XXXX month of investigation on XXXX XXXX, I received a message from Bank which stated dispute was resolved in favor of Mattress XXXX XXXX although I provided all detailed information to the Synchrony Bank, and the Bank letter stated that I'm responsible toward making for a product that I never received from Matters XXXX XXXX,. I asked the Bank with details and documents, Bank provided two documents on the basis of which they concluded this investigation in favor of the Mattress XXXX XXXX ; one document is a signed paper for 18 months monthly which I authorized and second document is a FAKE Furniture Delivery Form, that the Mattress XXXX has forged my signature and date of delivery is stated XX/XX/2023 which is totally wrong as on this date, I was at work all day ; there was no furniture delivery and store made fraudulent delivery form, even that hand wring on fake form is not mine. Actually, the delivery was on XX/XX/2023 which I refused and returned back to store. Mattress XXXX XXXX provided this fake delivery form to claim as if the product was delivered to me in fact this is a serious example of fraud because I have not received the furniture. I contacted Synchrony Bank again and informed of this fraudulent action by the Mattress XXXX XXXX and has asked Bank to take serious actions. After experiencing this fraudulent action, I checked XXXX XXXX XXXX ( XXXX ) and XXXX Reviews that show Im not the only victim of such a fraud, so many other customers have been scammed by this store and informed Bank to look into this matter as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to dispute a transaction on my SYNCB/SAMS CLUB credit card account. What happened : To date, no action has been taken to correct this error, and the incorrect charge of [ {$1000.00} USD ] remains on my credit card statement. I have not received any communication from SYNCB/SAMS CLUB regarding the status of my dispute or the resolution process. I am exercising my rights as per the following sections of the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A : I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section : No consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Given the fraudulent nature of this account and the breach of my identity, I kindly request the following actions : 1. An immediate investigation into the origin and validity of this account by SYNCB/SAMS CLUB. 2. The removal of this inaccurate and unauthorized debt from my credit report. 3. A formal confirmation in writing that this debt has been removed from my credit history. 4. Any necessary legal actions to rectify the breach of my identity and to hold the responsible party, XXXX XXXX, accountable for their actions. I expect that this matter will be resolved promptly and in full accordance with the law. Failure to do so may result in further legal action to protect my rights and restore the accuracy of my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
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 have had charges on my JC PENNEY card for continous 5 months and when I realized it I called the credit card company and told them I did not make them. At first, they said okay we will give you money back we recognize they are frauds. A month later I got a letter saying they do not believe they are fraud. I have not made or authorized these charges I can not get to speak to a live person to tell me what makes them think this is not fraud as I know it is. cc company is Synchrony Bank XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I got an unexpected interest charge on my bill. I was informed by an employee that used Care Credit in their facility that I should be able to pay off the interest if I paid the min. balance. I always paid more than the min. balance. Every time I tried to reach the supervisor or manager someone else would assist me and the only solution, they offered was to waive the interest if I paid the complete balance off in 1 month ( which they knew was impossible for me to do ). I then took it to XXXX and made public reviews ( as XXXX suggested ). Then they were going to get the supervisor or manager, but they still offered the same solution yet again! I just want them to drop the outrageous interest charge so I can pay off the remainder of my balance, but they refuse to cooperate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I set up a business bank account to transfer funds to my Synchrony Bank personal account. Evidently this is not allowed but I was not told that is was not permitted. Synchrony deposited two small amounts to verify the account and the account was accepted by Synchrony. I then tried to transfer {$50000.00} to my synchrony account from my XXXX XXXX account. The transfer was not allowed but the {$50000.00} was removed from my XXXX XXXX account but not placed in my Synchrony account. I don't know where it went but in about two weeks, the {$50000.00} was replaced in my XXXX XXXX account. The problem is that Synchrony Bank now has my savings account on restriction and will not let me access the funds ( XXXX ). I have called every week for four weeks and been told that the issue has been expedited but as of this morning, the account is still on restriction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
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 purchased a number of products from Ashley. Some were delivered. Some were not. 1. I disputed a {$700.00} charge on my XXXX XXXX from Ashley. XXXX approved my dispute. Ashley unilaterally charged the amount that XXXX credited to the store credit card without my authorization or signature. 2. I did not receive several items that i ordered, specifically a queen bed and a sofa table. Ashley will not send an itemized receipt to show what i was charged for. 3. I purchased a number of new mattresses from Ashely and Ashely agreed to remove the old mattresses. Instead of removing the old mattresses, Ashely threw the mattresses in an already full dumpster on my property. the garbage man would not remove the dumpster until the mattresses were unloaded into a new dumpster. The charge for the new dumpster was {$700.00}. 4. I called and emailed Ashley numerous times with little results. Ashley promised to refund the {$700.00} and pay for the dumpster but never did. Here are some of Ashley 's communications : A. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ** Hello XXXX, We did receive your response and photos, thank you so much! We have forwarded these over to our partners with the delivery team and they should be in contact with you shortly. You can also call XXXX to discuss the claim. Thank you, XXXX XXXXXXXX XXXX Customer Experience Manager Ashley Global Retail, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX www.ashleyfurniture.com B. From : Ashley Customer Care XXXX Date : XX/XX/2023 at XXXXXXXX XXXX EDT To : XXXX Subject : XXXX XXXX XXXX XXXX Chargeback CASE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Good morning, Thank you for contacting Ashley Customer Care, I do apologize for any delay in contacting you. Your financial institution has notified us stating that you have an unresolved issue with your in-store order. Per our records, you were not charged for the Queen bed frame and the item was canceled from the sales order. Please advise how I can assist? C. From : Ashley Customer Care XXXX XXXX XXXX Sent : XX/XX/2023 XXXXXXXX XXXX To : XXXX Cc : XXXX ; XXXX Subject : RE : XXXX : XXXX : IN HOME DAMAGE XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Good morning, I do apologize for the furniture experience that you had and for the drivers leaving the mattress in your driveway. I will be sending this over to the delivery management team so that they are made aware of what the drivers did. D. From : XXXX XXXX XXXX XXXX Date : XX/XX/2023 at XXXX XXXX EDT To : XXXX Subject : RE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX CASE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello XXXX, Please see below for the breakdown in your charges- XXXX XXXX XXXXXXXX grand total was originally supposed to be {$6600.00}. {$700.00} was covered by visa payment and {$5900.00} was supposed to be charged to XXXX account. Only {$5200.00} was charged to their XXXX account. Due to customer not received queen bed set new grand total is {$5900.00}. Ashley ' furniture will be accepting the chargeback in the amount of {$700.00} dollars. Thanks, XXXXXXXX XXXX XXXX Customer Experience Specialist Ashley Global Retail, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXXXXXX XXXX : XXXX | XXXX www.ashleyfurniture.com
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02891
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A