Date Received: 2023-08-20
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: Synchrony bank. I disputed a transaction with XXXX for around {$1000.00}. This was around XX/XX/2020. XXXX did not transfer ownership to me and then took the vehicle. Vehicle was returned to XXXX and synchrony did not investigate the dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80113
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was given a line of credit with " Room to Go '' through Synchrony Bank and I was told there will be no interest accumulated until after one year. They lied and now they are charging me unreasonable late fees and I can't get anyone on the phone to discuss my concern. Furthermore I can't make sense out of my statement online. I notice they recently been sued for their illegal action. Can you help... thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Ive been dealing with this situation since last fall. Let me explain. ... 1. On XXXX XXXX XXXX, I went to my local Mattress Firm and purchased a mattress and adjustable platform. The Order number was XXXX. ... 2. At that time, I told the saleswoman that I had a bad back and that I needed a mattress that was soft and comfortable. I ended up opening a Mattress Firm Synchrony credit card account to pay for the purchase. The saleswoman told me they had a guarantee on everything and to come back in if I didnt like either one of the items .... 3. Right away, I noticed that the mattress was very hard. I decided to wait a couple of weeks to see if the mattress softened or if my back adjusted. Neither of those occurred, so I ended up going back to the store to talk to them about it. ... 4. The first saleswoman wasnt there, so I had to work with another saleswoman. She encouraged me to pick out a different mattress and said that we could do an exchange. I couldnt find anything I really liked, but I needed a mattress as I was about to have XXXX, so I ended up picking something out. I was concerned because it had some kind of cooling feature. I told her that I get cold very easily, so I was worried about picking that one. She said that that was just an advertising feature, but that it really wasnt cold .... 5. As we were checking out, she mentioned that there would be some kind of return to stock fee. I told her that I had never been told about that. She said there should have been something stapled to my receipt. I had my receipt with me, it was obvious nothing had ever been stapled to it. ... 6. She ended up calling her manager/XXXX person and explained the situation. They agreed that I wouldnt have to pay for that. So, I signed for the mattress and we left. It was to be delivered within a couple of days. ... 7. Soon after I started worrying about it, so decided to do some online research. All the reviews said that the mattress was indeed cold. I talked to my husband about it and we decided the best thing to do would be to not take delivery of the mattress after all. My husband called the store, they said that mattress was already on the truck, but that we could just refuse delivery when they arrived. ... 8. They tried to deliver it anyway, but my husband told them I didnt want it. They did end up picking up the previously purchased mattress and took it with them. We thought that was the end of it. ... 9. I slept on the couch for a few days, until we found a good mattress for me. That mattress was perfect with good support and wasnt cold. ... 10. And then we got our first statement. Thats when we could see that they charged us for a mattress anyway. I immediately called the store and was told that I just needed to be patient, that it took a couple of months for the system to update. ... 11. I called every time a new statement came for months and received the same response each time. ... 12. In XXXX or XXXX of this year, I finally called Synchrony in hopes that they could get their attention and get it straightened out. Weve been going back and forth ever since. ... 13. I believe it was late XXXX or perhaps early XXXX that I connected with someone from Mattress Firm who told me that theyd check into it. They ended up calling me back and told me that my bill would be appropriately adjusted to account for only what I purchased. I then paid off my portion of the bill for the adjustable platform earlier this year. ... 14. I started getting calls from Synchrony in XXXX or XXXX telling me that I needed to pay my outstanding balance. I told them the whole story at that time. They told me that a credit had been made on my account in XXXX for the second mattress, but then another amount had been added at the end of the month. I told them that I had not purchased anything else. They asked if I wanted to dispute the charge ( s ). I said that I did. 15. Soon after that, I received a call from Mattress Firm telling me that if Id cancel the dispute theyd correct my balance. They said that was the easiest way to handle everything. Because Im a trusting person, I believed them and agreed to do that. I called Synchrony to cancel the dispute. 16. A couple of weeks passed, then it seemed like every few days Id get another call from Synchrony. Id have to explain everything to the caller again. Finally, one of them told me that Mattress Firm had never given me credit for the erroneous XXXX charge. I couldnt believe it! ... 17. So, I had to dispute it again. Part of that dispute was asking them to show me what they were saying I purchased. Neither Synchrony or Mattress Firm could ever do that. A month or so had passed, I believe it was XXXX by now. Thats when I was told that Mattress Firm had denied my dispute. I asked them to show/tell me what I had supposedly purchased, but of course they had no idea. I totally lost faith in your company at that point. ... 18. Since that date Ive been going back and forth with Synchrony. They want the XXXX XXXXXXXX XXXX XXXX XXXX ( plus interest ) and I refuse to pay for something I never purchased. ... 19. Im now wondering if perhaps this charge stems from the second mattress the one I refused. The one I, of course, should never have been charged with. ... 20. We have since moved to XXXX so I can't go in the store and talk to one of your employees. So I suggested to Mattress Firm that if they'd like to send someone to our home, I can show them that my mattress is not from their company. ... 21. I have written Mattress Firm a few times. I have called them multiple times, but they have yet to resolve this issue. I keep being told that someone will get back with me, but that never happens. ... 22. Its been long enough now, that this erroneous charge has affected my credit. Thats just wrong!! I'd appreciate someone on your end to follow through and make Mattress Firm correct this issue as soon as possble.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73162
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been trying to deal with multiple different promotional balances since XXXX with care credit. I have called many times as well as done their texting system many times but it takes four to five times for them to fix something that I paid off and to take the interest back off. I recently paid something off in XXXX however it is still on my account and I called about it multiple times. I have many screenshots of how they are charging me interest how I have to keep calling and sending messages to them and they never fix it. I have been through regular level employees all the way up to managers and I'm still having many issues with them and I'm getting really tired of constantly having to fight for them to actually take the money off of my account and not charge me interest. I don't have money just to be throwing around and then stealing from me. I can provide screenshots if necessary which I can also provide exact dates with those screenshots as well. I am constantly fighting for my stuff to be paid off and then to not put interest on my card but they're making impossible to pay anything off by doing this they just keep taking my money. It's extremely difficult to speak to anybody and you have to be on hold sometimes for over it an hour one time I was on hold for two. They also made it impossible to take screenshots very recently and I feel it's because of situations like mine. I have plenty more screenshots I can provide however there's a timeout amount of time which won't allow me to add more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
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: In XX/XX/2023 I changed my bank account information. I went into each credit card app and deleted my old bank account and updated it with the new one. The only card that gave me an issue was Synchrony. On XX/XX/2023, this credit card company took money from my new account and also tried to process a second payment from my old deleted account. I called and discussed this with multiple people through out XXXX. Each person told me it was taken care of which it was not. Then I was told I need to file a dispute which I did. I gave my bank statements showing the processed payment. I received no follow up. I called in XXXX, XXXX and in XXXX my app showed a " purchase '' on XX/XX/2023 for {$110.00}. I have made no purchases on this card since XX/XX/2023. I called and was informed that this was my " missed payment '' from XXXX. They said that my dispute was cancelled because I did not provide the required information. I argued and they opened another dispute. On XX/XX/XXXX I once again gave my bank statement showing the payment and the time stamp from my account when the payment processed. Today, I received another letter saying I have not given the appropriate documentation. I called and was told I need to give a copy of the front and back of the cashed check. I paid through the online app via debit card and there is no check. They have now charged me twice for XXXX. I feel like they committed fraud by trying to take money from a deleted account. They except payment with a debit card but if you dispute something the only way to have it resolved is by showing a copy of a check. This is fraud.
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: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: They are not trying to remove the inquires. and they are violating my consumer rights. reached out to them numerous of times and received no response. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715,719 I PRESUME THATNO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27545
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Synchrony bank stating still owe on account despite reaching settlement terms and paying installment to them 5 months after the fact. When trying to log in to my Synchrony account to prove terms no information shows. I've requested multiple times said debt and noted agreement and am only told they'll be sending me a letter, but only send email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Synchronicity Bank promoting identity theft I've been with Synchronicity Bank for almost 8 years. They suspended all of my 8 cards because I needed to verify my Social Security number because they said that somebody called and tried to act like they were me. In which their customer service agent got angry and close all of my accounts without my consent. I did not know they were all closed until I tried using one of my current credit cards. I had to call Synchronicity Bank to let them know that I do not close up all my accounts which were tiresome and frustrating. I mailed in my personal information on XX/XX/XXXX they told me they could not read my handwriting. I'm XXXX and because of that I knew my writing was difficult to read, so I sent a copy of my Social Security card with it to verify my information. Synchronicity Bank said that was not good enough for them so I had to e-mail my personal data. So the following letter that I received was on XX/XX/XXXX. I mailed it and took it to the post office on XX/XX/XXXX. I was inconvenienced because I had drove to the post office and handed it to the person behind the counter. I called on XX/XX/XXXX. They still didnt receive personal information. I then called on XX/XX/XXXX they still have not received my personal information. I called on XX/XX/XXXX they still received my personal information with my Social Security number and my address and my birthday on it my information. I called today, and they still have not received my information, so right now my personal information is lost!!!!!!!!!! We live in a time when identity theft is common, especially since they said that I called and close up all of my accounts. Synchronicity Bank is promoting identity fraud because they do not have a secure website where you can upload your personal information to them ..so right now, my personal information with my Social Security number, my address, my birthday, and my name is out there!!!!!!!!!! Synchronicity Bank the way they handle people 's personal information is unacceptable. 6 of my accounts that I have open for 10 years I can not use, and this is unacceptable and embarrassing, and frustrating my limit was started at {$3000.00} and because of my perfect payment history Synchronicity Bank raised my credit limit to XXXX now I have can not use because they don't have my personal information and I can't they can not verify who I am!!!!!!!!!! Synchronicity Bank 's practices are ridiculous and dangerous there's nowhere in the United States that you mail a letter in Georgia Synchronicity Bank has a Florida address so right now, my mail is lost. This is very concerning. Synchronicity Bank needs to have better, safer practices when sending information people 's personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I had opened a plan with synchrony bank on XX/XX/XXXX and got {$6000.00} credit with no interest if pay full in 18 months. On XX/XX/XXXX when I was trying to make my first payment and set up an auto pay, I accidentally paid in full, and then I immediately contacted with synchrony, and they said that they will send me a refund check and restart my plan. On XX/XX/XXXX I received the check which issued on XX/XX/XXXX. On XX/XX/XXXX I start over the pay period. On XX/XX/XXXX I check my bank account and noticed they charged my over {$1800.00} interest charge on purchases. Synchrony count the months from XX/XX/XXXX to XX/XX/XXXX so they said I didnt pay in full on time. It was TOTALLY INCORRECT. When I accidentally paid in full on XX/XX/XXXX, the system told me the period was ended and I cant reopen by myself. Until XX/XX/XXXX I was able to make a payment. The period should be counted on XX/XX/XXXX or XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97140
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95355
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A