Date Received: 2023-08-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I paid a synchrony Bank Card off ( dicks sporting goods Master Card ) after paying I continued to receive emails wanting a payment. I ended up paying three payments instead of them taking the first payment. Now after several attemtps, and cancelling the card. I have to wait five weeks to get a paper check for THEIR mistake. I am certain this bank has Violated the FCRP rules of debt collection. DO NOT APPLY for a DICKS sporting Goods card. ITS a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX Has attempted to or may have successfully opened lines of credit, via PayPal and apparently Venmo Visa XXXX I am receiving letters I have never applied to or authorized this Synchrony, PayPal and Venmo Visa. Would the FTC please help me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I used to be a QVC and HSN customer and trusted them on their easy pay plan that is advertised on their website and on tv by every hostess as to having 0 % interest. I didn't realize until today that I was being an outrageous 32 % interest. I called QVC customer service and they transferred me to synchrony bank. When I spoke to XXXX XXXX they said it wasn't them charging the interests, it was QVC, and he transferred me back to the QVC customer service. They, QVC XXXX, said again it wasn't them, that it was XXXX XXXX Regardless of who it is, it is the consumer that is being ripped off. The way it is advertised is not only misleading but fraudulent, they do lead you to believe that if you pay it off within five payments it will be an interest free purchase, but that is completely untrue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There is a company called Synchrony Bank/ Rooms to Go furnishing information on my consumer report illegally pursuant to 15 USC 1681b ( 2 ) permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave this company consent to report information on my consumer report. They also failed to give me the disclosures to " opt out '' of having my account information furnished on my report which is out of compliance pursuant to 15 USC 6802b Obligations with respect to disclosures of personal information. It was unlawfully enforced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
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, inquires. XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, SYNCHRONY FINANCIAL Inquiry : XX/XX/XXXX, XXXX 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 1681u 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 a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card 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: 56201
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Unauthorized Charge and Unsatisfactory Customer Support from PayPal Credit Card Issued by Synchrony Bank What Happened? On XXXX I noticed a charge of {$390.00} on my PayPal credit card, labeled as a " Payment Correction. '' Upon contacting customer support, I was subjected to a series of transfers between departments, disconnects, and misinformation that have left me deeply unsatisfied and concerned about the handling of my account. Dates, Amounts, and Actions : XXXX : Discovered the unauthorized charge of {$390.00} on XXXX, labeled as " Payment Correction. '' Multiple Dates : Contacted customer support regarding the claim multiple times, resulting in : - Being hung up on by different departments. - Misinformation regarding the nature of the charge, including being told it was related to a balance transfer or a previous payment dispute claim that had already been resolved on XXXX - Lack of access to past payments due to a system upgrade, causing further confusion. Based on a letter received by the company on XXXX XXXX XXXX XXXX Original payment dispute claim was made for the amount of XXXX XXXX : Claim denied and was charged for the dispute reversal at the same time, leading to confusion regarding the new " Payment Correction '' charge on XXXX as this is a duplicate charge. My Words : I feel utterly betrayed and ignored by PayPal Credit Card and Synchrony Bank 's support team. I approached them in good faith, expecting clarification and assistance with a mysterious charge. Instead, I was subjected to a nightmare of transfers, misinformation, and abrupt hang-ups. The confusion between a 'balance transfer ' and 'payment correction, ' the inability to access previous payment records, and the consistent failure to provide clear answers has left me not only out of pocket but deeply frustrated and distressed. The charge, described as a 'payment correction, ' was tied to a previous payment dispute claim that was already resolved nearly a year ago. The lack of coordination and compassion displayed by their support team was a disheartening experience that seemed designed to wear me down rather than help me. I am seeking the CFPB 's intervention to not only correct this financial mistake but to ensure that no one else has to endure such an infuriating and disheartening experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XXXX XXXX and Synchrony XXXX Credit Card are using unfair and deceptive credit practices by not listing specific art works on the credit statements ( Art purchase is all it states ). They Parkwest reverses charges after they bill items to falsely make it appear you have credit remaining when you dont. Synchrony is aware of this policy and will allow XXXX to exceed your credit limit when the works of art are delivered without a notification or a hard stop before the products are delivered. Single purchases can be refunded if it can not be supplied, but XXXX does not itemize purchases to the credit card so no one knows what was billed from an art invoice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
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: To whom this concerns : We went through XXXX XXXX to order our kitchen cabinets, sinks, livingroom cabinets, laundry room cabinets and sink, 5 toilets, vanities and many of the items needed for our home build. I am very disappointed with the service and follow up nearing the end of the installation process. For our kitchen, many of the items ordered were the wrong sizes, came damaged and when we called to see the estimated time-line we could not get ahold of anyone at the XXXX XXXX XXXX XXXX Even though we purchased our XXXX farmhouse sinks from XXXX at XXXX, the wrong sink cabinets were ordered delaying our kitchen install by a month and a half. The same happened for our filler and panels, many of the items ordered were incorrect colors, sizes, were never ordered or never arrived ( even to this day ). We started the entire kitchen process back in XX/XX/2022, and have yet to finish the kitchen, Laundry-room and living room bookshelves. We provided XXXX XXXX all the specs of our appliances that were purchased over a year ago, yet the wrong refrigerator framing was ordered. We are still awaiting the correct framing, although no one knows if it's actually been ordered. We spoke with XXXX at the XXXX store and he could not give us any information ; we called the installation number and the representative said there were no outstanding orders. Also, we ordered a spice rack and it is missing, and there isn't a cabinet to fit it. We have a cutting board with no where to put it, and the wrong silverware organizer ( too small for all the drawers ). The wrong items -- the wrong sizes. I am very upset with the handling of my complaint. We still have the wrong items, and no tracking number for the fridge frame. Our kitchen looks horrible and we are hosting for XXXX. This is outrageous and egregious customer service. Again, we are very disappointed with the service given us, especially since we have spent so much money at XXXX for our home build. It is very difficult getting any resolution in a timely manner and we are exhausted calling and visiting the store for answers. Our typical hold times are XXXX hours and when we go in person most of the management is away or in meetings for an hour+. We have a garage full of wrong items that we are being charged for on our XXXX card. We asked for itemization and for these items to be removed and customer service is not calling us back or providing this information. We are seeking immediate attention to our kitchen project and a speedy resolution to these outstanding issues mentioned above. We also want the wrong items to be removed from our bill. If they can not do this we need a reduction of the charges as we will have to hire a private XXXX to finish the job and provide the right materials. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06830
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XX/XX/23 Synchrony Bank Customer Service Department XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Discrepancy in Account Balance and Request for Immediate Rectification Dear Sir/Madam, I am writing to address a concerning issue regarding my credit line with Synchrony Bank , which was associated with my account at XXXX XXXX XXXX in XXXX, OK. I am requesting your immediate attention to rectify the matter as it has adversely affected my credit score and is impeding my ability to purchase a home for my family. To provide you with the necessary details, at one point, I had a credit line with Synchrony Bank through XXXX XXXX XXXX. I am pleased to inform you that I have responsibly managed my account and have successfully paid off the entire balance in full. However, to my surprise, I recently discovered that Synchrony Bank claims that I owe them an additional sum of {$20.00}, despite the fact that my account was settled and closed. I must emphasize that I have not received any correspondence from Synchrony Bank, whether in the form of letters or emails, regarding this alleged outstanding balance. I maintain meticulous records of my financial transactions, and I can provide evidence that my account has been paid off in its entirety. This unexpected discrepancy has caused a significant decline in my credit score, which has a direct impact on my ability to secure financing for our first home. Given the gravity of the situation and the urgency it demands, I kindly request your immediate attention to rectify this matter. I implore you to conduct a thorough investigation into my account to verify that it has been settled. Furthermore, I request that Synchrony Bank promptly correct my credit report, removing any negative remarks or indications of an outstanding balance, as it is unjust and inaccurate. It is my sincere hope that this issue can be resolved expeditiously and amicably. I have always strived to maintain a positive credit history, and this incident is an unfortunate anomaly that I trust can be promptly addressed. I kindly request that you provide written confirmation of the resolution reached, including any adjustments made to my credit report, within 15 business days of receiving this letter. I would also appreciate a direct point of contact should further communication be necessary during this process. I look forward to your prompt response and a swift resolution to this matter. Thank you for your immediate attention and understanding. Yours faithfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40229
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
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, or consent, inquiries, XXXX Reported : XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, XXXXXXXX XXXX Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX XXXX Reported : XX/XX/XXXX, 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 1681u 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 a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card 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: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A