Date Received: 2023-08-15
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Email received Synchrony is reducing my credit. Not based on 100 % payment but how many cards I have. I did not authorize them to go through and pull my credit for this card. I did ask for extension of credit on a card they closed after it was paid in full. I have never missed a credit card payment. This unfair and hit my credit again. this is not the first time this company has done this. They did this with Lowes, XXXX XXXX ( XXXX ) and damaging my credit I have built. This is unfair and illegal to consider other cards than the one applied for. by the way nice little trick they do not allow a save to the document. So I screen shot it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99207
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
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 of XXXX my wife and I purchased a door at Lowes in XXXX NY ( all aspects including installation cost ) for our home, current door needs to be changed plus we had a family gathering was scheduled for XXXX of XXXX. After months of excuse delays, up to and including days of delivery of back of forth with manager ( XXXX ), who exclaimed " what, do you want me to give you a free door '' ; another supervisor and or store employee, " do you want me to go make you a door myself '' This, in an attempt to see if the manager would rush the order and or consider discounting the purchase for the missing delivery multiple times within/by a month. To which He ( XXXX store manager ) replies, '' trust me I will discount it, but you have to take delivery '' I ask what would be the discount %, he refuse to say, at which point, I said forget entire purchase, the discount and refund the account. On XX/XX/XXXX, 2 days after I ask for a refund, XXXX emailed me a scanned copy of refund receipt. To date XX/XX/XXXX, after 3 dispute attempt with Synchrony and over 25 phone calls and emails from Lowes Synchrony Bank harassing me, I am being ask to pay outstanding balance of XXXX due XX/XX/XXXX for a door purchase that I NEVER TOOK DELIVERY FOR. I have saved text, voice message, dozen of emails and it they keep on coming. I want the harassment to stop, I want my account brought current and compensation for the XXXX filled stress of opening my email and seeing call from " Synchrony '', the argument this cause between my wife and I and effect this have on my credit. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: When I opened this line of credit ( XX/XX/XXXX ) they enrolled me into paperless billing. I tried to make an online log in to see this account and I couldn't get access to it because they had the wrong date of birth. I called them about this and the said I would need to FAX them a form to have it fixed. I didn't have this ability to do this. So, I was paying for a year without being able to see my statements. Once, I complained and I started getting statements is when I noticed this card protection fee. I also had to have my card replaced because the original one never came in the mail. I have never used this card aside from when the credit line was opened as a result of my dog being sick. XX/XX/XXXX, I called CareCredit to pay off my card and close the account but, I had questions about a card protection fee I didn't authorize on my statements. They said to call Synchrony Bank to have this removed and refunded. I made a standard payment because they wouldn't know the exact refund amount right away. They said it can only post as a credit to the account and it should take two weeks to post. I called regularly afterwards to ask about this refund. XX/XX/XXXX, I received a letter from Synchrony stating that they sent my refund of {$230.00} to post as a credit to my account. I contacted CareCredit to pay off my balance but they said they didn't receive a credit. I called Synchrony afterwards and they said they posted it. I asked to speak with a manager, they said they'd have someone call in two days, no one did. XX/XX/XXXX, I called CareCredit and they insisted they didn't have this money. I again made a payment while I awaited my refund and a phone call from Synchrony. The next day I called Synchrony again and asked for a manger, they said I couldn't speak with one and I would need to wait two days. No one called. XX/XX/XXXX, I called CareCredit and took four hours on the phone for them to realize that they had my refund this entire time. It was placed under the old credit card number which had been replaced. This was aggravating to me because I was paying interest for this and I asked to have the interest I paid refunded, they said this " isn't allowed ''. At the time my card balance was {$560.00}. I paid {$330.00} and they said they would transfer the refund over ( {$230.00} ) to {$0.00} out the account and cancel the card. XX/XX/XXXX, I started receiving text messages and calls about a " past due '' balance from both Synchrony and Care Credit. This amount matched to my refund with interest, it was incredibly difficult for them to find me the correct department and the majority of their customer service representatives couldn't understand me because of a language barrier. I was told several times that I made a " charge '' on the account which matched my refund amount. ( I still have this card glued to the paperwork, I never charged anything ). I told them to run it as fraud because I couldn't get past the language barrier and figured somewhere along the way they'd figure out that the accounting was messed up. They sent me a letter saying there wasn't any fraud on the account. XX/XX/XXXX, I am receiving so many auto calls, text, emails that I'm feeling harassed about a payment I didn't miss from Synchrony and Care Credit. I called them again and was transferred over the course of five hours. I was forced to repeat the same information multiple times until someone could understand me. I had to call off of work for this because it took so long. I was told that when they transferred my refund ( {$230.00} ) to the correct card, Synchrony took the funds back because the card numbers didn't match. CareCredit stated that they would consider this fraud because I didn't authorize their charge. They promised me the following. 1. They would remove all FALSE reporting ( s ) of missed payments from my credit. 2. They would remove all late fees from the account ( this wasn't a late payment ) 3. They would REFUND ( via check ) all of the interest I paid since XX/XX/XXXX. 4. They would close the account. I asked how much the check would be for the refund and they said only a manager would know. I requested to speak with one, they said they'd have them call me in two days. I said NO. They forwarded me to the line that was to be the supervisor, I waited an additional 50 minutes. Someone answered and then they dropped the call. No one called me back and I never got confirmation on the refund amount for interest. XX/XX/XXXX - I received a letter that they lowered my credit line to {$340.00} which was conveniently close to around the same amount that they were reporting I owed them. This raised my credit usage on the card to almost 100 % causing another blow to my credit that wasn't deserved. If they had done things correctly, they could have just closed the account and made my line of credit XXXX. XX/XX/XXXX - I received a letter from Synchrony stating that they removed all credit reporting 's for delinquent payment. I check my credit report, it has been fixed. But, I continued receiving phone calls and messages about a missed payment. They said this would happen until the system was corrected but it was taking awhile. XX/XX/XXXX - I attempt to call CareCredit but because I have a " past-due '' payment, the system recognized my number no matter what I dial and forwards me to Synchrony 's phone payment line. I click my way to customer service where I'm told several times I need to call CareCredit instead, but I can't! Several employees forward me from department to department and I'm forced to repeat myself for 2 hours. I wait on hold for 20 minutes and get hung up on. I call back in tears and sit on the phone for another hour, I'm promised help by the employee I tell her what's going on and that because they're recording, I am as well. She tells me she can't speak to me because I'm recording and a manager will call me back in two days. No one has called. I was again forced to take the day off work to try and mediate the situation with them. XX/XX/XXXX - I get a notification from XXXX XXXX about a delinquency. I open my app and see that my 100 % on time payment history is down to 99 %. CareCredit reports a missed payment that drops my score from XXXX down to a XXXX. I am in complete emotional distress because I am set to close on a house on XX/XX/XXXX. It's completely ridiculous because I have to be forwarded so many times when I speak to them that it becomes an all day excursion. Typically, by the time I reach someone who can resolve the matter they acknowledge that everything I'm saying is correct and factual. They then state it's going to get fixed but they " can't do it all in one day. '' But, then once we're off the phone nothing changes and no one calls me back or acknowledges how ridiculous my experience has been with them from the start. It's also ridiculous that their system forwards me to the wrong number no matter what I dial and then the employees rudely tell me I'm calling the wrong lines. I filled a complaint already with the XXXX in the past for this which they resolved because CareCredit acted like they were doing something to fix this and then didn't follow through. They're harassing me for money that they owe me. They're falsely reporting on my credit. And they're insinuating I'm dodging them, but they don't return my calls. Their phone operations are like trying to work your way through a XXXX XXXX. This seems like a completely intentional rabbit hole devised to confuse their borrowers out of additional money. It's also disturbing to me that I reported to them that my DOB was wrong several times and instead of correcting it they offer no viable solutions to fixing their records. Shouldn't they be more concerned with collecting from the correct individuals?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am formally filing a complaint for the following account listed on my credit reports for the following reasons : 1. XXXX XXXX a. Acct # : XXXX b. Last reported : XX/XX/22 There are several issues concerning these accounts that make them fraudulent and/or illegal. The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to 15 USC 1602, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement. The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78640
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XX/XX/XXXX I made a complaint with CFPB ( Case # XXXX ) after not being able to speak to a XXXX regarding my issues with payments and interest being credited correctly. The response to the complaint, dated XXXX XXXX, was that they would waive the interest totaling {$15.00} and attached my ledger. The information on this ledger is not what is listed when I log online. I noticed I was charged interest starting XX/XX/XXXX. I only signed the contract XX/XX/XXXX. The {$15.00} credit was not put on my account. Instead they charged {$120.00} to my account on XX/XX/XXXX. I called and left a message with the Senior XXXX XXXX XXXX ( XXXX ext. XXXX ) who wrote the letter, he never returned my phone call. I have called the normal customer service number to speak to a supervisor. I'm always told that someone will call me back, however I have not received a call back since XXXX. I would like to go through my entire account to rectify any issues and questions. XXXX. Why was I charged interest for dates before the contract was signed? XXXX. Why was the interest not adjusted based off of actual payments received? XXXX. Why was I charged an additional {$120.00} on XX/XX/XXXX? XXXX. On XX/XX/XXXX I was told by customer service representative that these charges, although they are shown on my ledger that I received from XXXX and they show up on my payment history online, she did not see the charges on her end and to just disregard them. It is almost impossible for a customer to speak to a supervisor with this company because they are " busy '' however when a customer service rep needs to consult with a supervisor about an issue, the supervisor seems to be available for those interactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90031
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Pressured by my dentist while in the dentist chair to apply for and use Care Credit to be able to complete my dental service. Rates jumped up and its been about 6 years and Im still struggling to make the payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a credit card on XXXX XX/XX/2023 when I was at the XXXX XXXX store. They ended my billing cycle on XXXX XX/XX/2023 and apparently sent me a statement with a due date of XXXX XX/XX/2023. I had signed up for electronic statements but did not receive any. Since I was not aware that the due date would come up so quickly and I didn't get an electronic statement even though I had signed up for it, I didn't make the payment on XXXX XXXX and I was levied a fine. I called up the credit card and they said that the billing cycle end date is assigned " randomly ''. But I am not sure this is true. Why would the billing cycle end the next day after I open the credit card? I believe this is done by the bank to collect late fees. Additionally, I didn't receive any statements either. For me to make my first purchase using a provisional credit card on XXXX XXXX and for the bank to create a due date on that purchase based on a billing cycle that ends the next day is causing undue hardship. I don't believe I even received my permanent credit card to replace my provisional paper card by the date the payment was due. I would request the government to look into billing practices of Synchrony Bank to see if they assign billing cycle end dates for all customers the date after they open a store credit card so that the due payment comes up quickly and they can charge a late fee. Regards XXXX
Company Response:
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
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, and Lowes continue to commit fraud in the fact that they are holding me hostage with a credit card and a balance for services and products that they have not rendered. This company has not rendered the services that were purchased, nor have they provided the products to complete the job. Repeatedly, I have attempted to resolve this issue, but they continue to provide not only my own attorney, but state and federal entities with fraudulent and false responses. They are committing fraud, and need to be investigated for the crimes that they have repeatedly committed I continue to hold a {$5000.00} balance on a synchrony card that is fraudulent. These charges have been disputed. I also have representatives recorded on phone calls, stating that my money would be returned to me. That has not happened either. What they have done is illegal and they need to be consequences and accountability for the crimes that they have committed. This case will be heard before a jury, but there needs to be legal action taken by federal entities. This is fraud. They are committing fraud, has committed fraud, and continue to commit his crimes. I demand a thorough investigation. Synchrony bank, and LOWES corporate office has provided false information regarding state and federal complaints. They have provided the consumer federal protection bureau with false information in order to have an investigation closed out under false pretenses. They have claimed that they can not respond due to pre-litigation, or a lawsuit has been filed. This is completely false, and neither, LOWES, nor synchrony bank have been served with any documents from any attorney at this time, or at the time that they responded. They are lying, providing false information, in order to close out cases against them, as well as federal investigation LOWES and synchrony bank, continue to commit fraud, breach of contract, deceptive sales practices, and have used bait and switch tactics which has resulted in nearly {$9000.00} of financial loss for me. They continue to commit crimes against their own customers, and in this case, have refused to provide products and services that were purchased on my Lowes credit card. I have paid over {$3000.00} since XX/XX/XXXX and have received no products, service, and my home has been destroyed by this company. LOWES is refusing to cooperate in an insurance claim and has refused to repair the damages. Their claims adjuster, XXXX, XXXX, is refusing all communication and has refused to re-order products and provide service and Installation. XXXX, XXXX, and executive XXXX XXXX have escalated this issue to the point to where civil litigation will be necessary to resolve this matter.. In regards to the original sale of these products and services, that were to be provided by LOWES, their sales personnel at the XXXX XXXX store, used bait and switch tactics. I originally purchased a laminate flooring that was advertised as a display within their store. I made this purchase using my LOWES synchrony credit card. For several months, this product went without being ordered by the sales person and XXXX XXXX XXXX. Months afterwards I received word that the product that had been sold to me, and that was on display for sale was being discontinued at the beginning of the year. They refused to provide a product that I had purchased and that was paid for. I was told by the sales person identified as XXXX that I would have to pick out another laminate. She only directed me towards flooring that was of a higher price than the original product that I had purchased. At no time did she show me a product that was lower in price, or close to the same of what I had already paid she repeatedly used bait and switch tactics and use these unlawful tactics to persuade me to buy a product that was higher in price. LOWES has been sued for sales practices such as these in a class action lawsuit. Recently, they were ordered by the courts to pay customers {$1.00} XXXX in damages. Clearly, this company didnt learn a thing from the class action lawsuit, that they just lost, as they continue to conduct bait and switch tactics against their customers and commit fraud. I have a legal binding contract, reference my purchase of product service and Installation from LOWES. They refuse to honor this contract, provide services, and are refusing to even honor a warranty. Four months, I have had water damage in my home that they have refused to address. They have already admitted, fault, but refused to address and fix what they have damaged. I have XXXX of dollars worth of damage in my home from an incompetent and unqualified installer. Adding to this, LOWES is not conducting proper background and criminal background checks on their employees and installers. The person that they hired to install my bait and switch flooring was completely on qualified, unlicensed, and was he convicted criminal. This man flooded my house on three separate occasions. This man has destroyed my house, making it unsafe. I have sustained physical injury from what this man has done and the defects reference installation in my home. LOWES associates and claims adjuster, XXXX XXXX even stated in a recorded phone call that this was the worst Installation hes ever seen and his XXXX daughter could have done better. LOWES has destroyed my home. XXXX XXXX, should be terminated from his position due to his negligence and complete unprofessionalism and incompetence. He has not resolve this issue, nor attempted to resolve this issue properly. Rather, he has escalated matter to civil litigation. It has also been noted that XXXX XXXX is refusing to provide documentation that is relevant to this insurance claim. An adjuster from XXXX and company came to my home to assess the damage. A report was submitted on these damages. XXXX, XXXX, is refusing to provide these documents to me as they pertain to my home, this open claim and damages that occurred. XXXX XXXX is now refusing all communication. In a previous conversation, XXXX, XXXX was made aware that I am a retired law-enforcement officer. After making this known, I became aware that XXXX XXXX was no longer listening as I spoke with him, and I could hear him typing in the background. Hearing that he was typing a message to someone on his keyboard, I stated that I would let him go, since he was no longer Listening he responded by saying I was noting that you were a police officer. XXXX, darling clearly has some sort of personal issue, or vendetta against law enforcement officers. He has made that clear, his actions and words throughout this entire process.. At this time, they ( lowes ) are refusing to fix the damage, have not ordered, or provided replacement products, services, and they have refused to address the thousands of dollars of water damage caused by their negligent installer. LOWES has committed numerous Crimes, which includes bait and switch tactics, fraud, deceptive, sales practices, breach of contract, and gross negligence. I have retained an attorney to pursue LOWES and synchrony bank for the crimes that they have committed. As I have stated, I have already paid over {$3000.00} for products and services that were never rendered, and have a balance of {$5000.00} for products that will not be provided an installation that will not be conducted. This bank needs to void out any balance that remains and return the over {$3000.00} that I have paid. My home is destroyed because of this company and has sustained thousands of dollars in damage and water damage. They will be held liable in civil court for their crimes. I am demanding that my money be returned that I have paid on the balance of this credit card and the remaining balance of {$5000.00} be deleted. After this is processed, this account needs to be closed. I will be suing this company and will never give them my business again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 047XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
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: Reported fraud charges to jcpenney XX/XX/XXXX. Told I would receive resolution letter. They never responded. Contacted JCP again 3 time XX/XX/XXXX and was told they have no Report of fraud charges and their records don't go back that far in date
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07719
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A