Date Received: 2023-07-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received an email alert from XXXX asking if I had recently applied for a credit card. I responded back that I had not recently applied for a credit card. I then received a call from XXXX on Friday, XX/XX/XXXX asking me if I would give them permission to call the credit card company, Synchrony Bank for a Venmo credit card, which we did. I reported to them that I had not applied for this credit card and that it was fraudulently obtained. They said that they were closing the account and sending it to the fraud investigations department for review. I also had a {$1500.00} transaction with my bank account from Venmo. I have since suspended that account. I have also frozen my credit with all 3 credit bureaus and have also placed a fraud alert with each one of them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XXXX XXXX XXXX adverises that they will have an 18 month interest free payments. If you do no pay off the balance they will add thousands of interest from the previous year. My bill went from owing {$2900.00} to {$4800.00} with paying {$200.00} a month for over a year. They added {$2000.00} in interest payments in one month. Not one of my payments went towards paying the bill down. We will now be paying twice what we orginally signed up for. They will not answer questions on the phone about the situation and will refer you to the bank the credit card its under. They misadvertise and over charge customers. They do not tell you that they will add on several thousands of dollars in PAST interest payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33544
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX of 2022 I contacted Synchrony bank to dispute the opening of a Lowe 's charge card. They do not communicate with me nor does XXXX XXXX respond to phone calls. They claim that this is my account. When I asked to show video proof of purchase they decline yet say that I benefited. When I requested to know who has been making payments on this account, I get no response. I have never made a payment to this account it is someone else 's account and that would be who has been making payments. They claim to have sent me monthly statements in the last 12 months. They did not have my address or phone number until I called to dispute the account. Please show me historical statements that link to any address I have had. Their investigation is pitiful, they have XXXX validation of this account to me, yet they refuse to discuss.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
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: This is in regards to 2 disputes on the XXXX Credit card. XXXX ) I was overbilled on XX/XX/XXXX from XXXX XXXX XXXX and wrote to the credit card company on XX/XX/XXXX with a copy of the invoice showing XXXX. I was billed {$170.00}. XXXX ) on XX/XX/XXXX, I ordered a photo calendar from XXXX and downloaded my pictures. I received a blank photo calendar. I will billed {$32.00}. I first contacted XXXX, then wrote to my credit card company on XX/XX/XXXX. I've since talked with a representative at the credit card company who told me the disputes were still open although they have printed in their credit card agreement that they will resolve them within 60 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57108
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was sent an Amazon store card to which I did not apply for it. When I called I found out the bill is up to {$230.00}. I appear to be the victim of identity theft. I had personal information that this company appear to know about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: This card is from XXXXSynchrony Bank for CareCredit. I have had this card for many years and have never experienced this level of frustration! The only reason that I have this card is for the XXXX XXXX promotional credit. I have never missed my deadlines and have always had the opportunity to make additional payments to the principle that always pays the oldest balance first and the one that is going to expire soonest. I have had my card on autopay for many years and when I am able to see which promotion is going to be coming due I make an additional payment to the principle. Since XXXX of this year I have been struggling with my online account and with customer service. It has been a complete nightmare! The login prevents me from seeing my statements, my payment history and enough activity to complete my own due diligence! I have told them this many times and they offer to send a paper copy. They sent it once and it was not the complete package of months needed and it still doesn't answer why I am denied access and why I have to call 60 days in advance to allocate payments to the principle. I need to be able to make the payments online as I always have. They have told me that my additional payments to the principle will be applied at their discretion and not at mine despite me needing them to be applied to the oldest balance first that is coming due. They are deliberately applying all of my payments monthly and additional principal in the wrong order. The little I have been able to see they have applied over {$300.00} to a balance that is coming due in XXXX and on one that is coming due in XXXX not one penny! This is NOT what I have asked for and they continue to make mistakes and control my money at my expense! I should have never missed my last promotional balance and instead they applied my payments incorrectly and caused me to miss a very expense deadline and charged me egregious XXXX XXXX interest retroactively. I feel that this is intentional or flat our negligence despite my many calls telling them this is WRONG! Please Help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
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: LOWES CREDIT CARD BY SYNCHRONY BANK : 1st Issue : I have filed multiple disputes and spoken with agents multiple times concerning being charged interest and not receiving a credit on a stove purchases. I bought 1 stove, was charged 4 times, issued 2 credits. One credit missing of {$900.00}. I was sent a letter stating the error was found and a credit would be issued. The credit never came. I called back to ask for when the credit would be issued, instead I received another letter stating the credit had already been issued. 2nd Issue : All of my purchases are promotional purchases. I pay off the promotion each time. When I have been charged interest, I have paid the promotional portion at that time then a credit of the interest has been applied. I set up my payments to go towards the oldest promotional item to insure they are paid off by the time the promotion ends. In the past I have called and was issued the credit. Every time I return an item, cancel, or do not receive an item, If I do not call to request the credit, the charge remains on my account until I call to complain. I have found a few representatives that stated I was charged in error or the promotion was not added properly, or my payments were mis-applied, or the credit was documented by not applied. Their representatives lie. I was supposed to receive a stove in XXXX. They called and said they were on their way. Never showed up. They canceled my order. I received a scratched washing machine, the delivery person stated I would receive a {$100.00} credit. It was on the receipt he left me but was never issued. I asked for an audit of my credit account listing all of my payments, credits, returns, and cancellations. They wanted me to pull all of the information and fax it to them after the latest representative told me the reason for the interest since XXXX is actually for a promotion that ended in XXXX. The representative I spoke to before that representative stated the interest is from a purchase from XXXX. My purchases are small purchases. I ensure when I make purchases, there is more than enough time to pay off that purchase. They sent me a survey the other day. I gave them a XXXX on the first question. Then I received a message the survey had expired. It was in my email box only 1 day. I have spent hours on the phone with their customer service and dispute teams without resolution. It should not be this difficult to find their errors. The stores are much better to deal with. They issue the credit on the receipt but I still have to call the credit card company to ask for the credit. I liked the promotional periods and the military discounts but this scenario has done it for me. I am done!!! Do not give them your time or money. The worst customer service and dispute department ever. How can you record a dispute but are unable to see the information the consumer is referring too. What sense does that make. Done!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
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: 2023-07-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: About XXXX my mom submitted a request to Synchrony Care Credit to give me account access to her card for medical care if I should ever need it. She said she NEVER gave them my SSN and she NEVER clicked on anything that said it was ok for them to put her charges on MY credit report, but that is what happened. Her credit card of almost {$1100.00} showed up on my account! I got an alert and called them immediately but had a hard time figuring out where that charge came from. They hinted that maybe someone would have opened this account in my name and that's when I called my mom. She verified that she requested me a card but had no idea they would put her charges on my account. Then about XXXX, she called and told them to remove that from my credit report because it is HER debt, not mine! They said they would but they didn't.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78227
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: Collection agency filed a court summons and served at an XXXX mail service in Florida where I don't live. I opened the mail service to obtain a Florida address for in the future of moving, in order to live there at some point. I do not have a physical address, I have been out of work, I reside in CT and have notified the court in XXXX FL that I am not there. The court date is XX/XX/XXXX at XXXX XXXX and I don't know how to resolve this.
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: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A