Date Received: 2024-01-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: About 18 months ago I had to buy a new furnace. The HVAC company set me up with Synchrony bank and I made payments of {$280.00} per month. When I called to make sure my payment information was correct they informed me I had missed the end of a " promotional '' period which they said ended on XX/XX/XXXX. Other than the information that I had made payments every month, they did not forewarn me that the promotional period was going to end. I'm guessing it was the fine print in emails littered with fine print. So that furnace, which as XXXX} I had paid down to roughly XXXX Now they said they are charging me XXXX in interest. I'm XXXX XXXX XXXX and on a fixed income. I feel cheated that these people did little or nothing to take inform me of such a critical amount of money was due at a very particular due date. Their services should at least come with a warning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49316
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I called Synchrony Band customer service on XX/XX/year> and asked if I would get their advertised certificate of XXXX XXXX APY for XXXX months if I funded my unfunded Certificate of Deposit account on that date. The Synchrony Bank agent stated that I would, and did not mention any qualifiers or any possibility that I would not get this advertised rate. ( This conversation is on file with Synchrony Bank. ) I immediately funded my CD account via ACH transfer that day, XX/XX/year>. When I checked my account XXXX days later, Synchrony Bank had only given me XXXX XXXX APY on my CD. It is apparent they lied to me about the interest rate I was to receive and thus subsequently cheated me out of several hundred dollars over the course of the XXXX month CD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Paypal credit - Payment made on account to pay balance in full on XXXX .... Company was holding payment and did not allow it to clear to update balance... The funds cleared my bank on XXXX XXXX Stated to me in chat that I was over the limit ( even though I paid balance in full ) and you look online it showed available balance of XXXX dollars. Stated that it would be XXXX XXXX before funds would be applied to the account. Even though they cleared my bank on XX/XX/XXXX ..... I asked them to closed the account no less than XXXX time and they disconnected the chat and left the account open...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am disputing the date Synchrony Bank ( CareCredit ) credited my account resulting in the expiration of a deferred interest period. The date the transfer was that was made on XX/XX/, the last day of the expiration of the deferred promotional interest period. The balance amount of the transfer was {$6200.00}. This transfer was completed and owed to XXXX XXXX on XX/XX/, as shown in my statement from them. Synchrony Bank didnt post or credit the account until XX/XX/ thereby initiating the deferred interest to be reapplied to the account. The payment was made on the XXXX, or sooner, by XXXX XXXX on my behalf. Major problem here is that I had the same debt owed to XXXX separate creditors on XX/XX/. Which constitutes being double billed for the same debt or balance on XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77382
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have several credit cards issued by Synchrony Bank. Sychrony has reduced my credit limit on now a 2nd card and it is sending my credit score plummeting because it shows I am using 96 % credit use on the card. I did not receive any notification of this change and/or why. When I called synchrony, they gave me reasons written in the report, but none of it is correct information for me. Between XX/XX/XXXX and XX/XX/XXXX - Sychrony decreased my Amazon credit from {$580.00} to {$230.00}. Which put me at 93 % usage On XX/XX/XXXX, Synchrony decreased my credit limit from {$10000.00} to {$2800.00}, which put me at 96 % usage This is a domino affect and I am afraid that they will soon decrease limits on my other Synchrony accounts but I haven't been notified as to why. My credit score it good, not late payments, in good standing, and my report is frozen so I don't even know how they could check my credit to come up with the reasons why they decreased my limit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony closed 3 of my store credit cards that they issued. Rooms To Go credit card, XXXX XXXXXXXX XXXX card and most recently Discount Tire card. I was in good standing with all 3 cards. The XXXX XXXX XXXX card was closed XXXX in XXXX or XXXX after making all payments on time. The XXXX card they closed was the Rooms To Go card which I made all payments on and was in good standing. I had that card less than a year starting in XXXX to XXXX and they closed it in XXXX for no reason. The Discount Tire card was closed by Synchrony in XX/XX/XXXX. I had that card about a year, maybe less than a year. I was in good standing and used that card twice. I made all the payments as well. Never missed. These XXXX XXXX hurt my credit. I had good enough credit to get the card but then when they close it XXXX XXXX XXXX and causes my credit to go down because I still have a balance but no credit available so my credit card usage goes up which effects my score negatively. Synchrony is a terrible company and very ruthless with what they do and how they treat people. They are still making money from me but hurt me and my score which effects my ability to get better interest rates. I can't believe how horrible Synchrony treats their customers who are making all payments to them on time and do not miss. I will tell everyone I know and post on social media, post on rooms to go, post on discount tire and any other social media pages of how Synchrony bank treats people. It seems Synchrony only uses people and cares nothing for people or their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77356
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
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 purchased a XXXX tree on XX/XX/XXXX for XXXX and had it shipped. it was heavy and shipped to my door. The tree was defective with limbs coming off. I called Lowe 's XX/XX/XXXX to get a replacement and have this one pick up by the shipment company. Lowe 's would only offer a 10 % discount so I told them to pick it up. Lowe 's did not have any more tree like the one I ordered. I am XXXX XXXX XXXX and I am not able to carry this heavy item. I then wrote a letter of dispute of the charge to synchrony bank. Mailed it in and never heard back. I called in on XX/XX/XXXX spoke to XXXX and she stated a letter was emailed days prior. I told her no record of a letter sent. Then the next day a got a denial letter from Synchrony Bank dated XX/XX/XXXX. Call Lowe 's store and they said they will not take back trees after XXXX. Synchrony took way to long to respond to my dispute, also charging me interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
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 XX/XX/2023, I purchased a lawnmower from a seller on XXXX, I never received any transaction/shipping details after 3 days from the seller. I messaged the seller through XXXX as that's what they advised and no response. I then contacted XXXX to file a complaint and as I was doing that the supposed seller emailed me and said I would be getting the item ( this alleged seller had given 3 different delivery dates but no tracking info thus far ) XXXX then opened a dispute. I then noticed there was a tracking number provided and when I looked it up it stated it was delivered already at XXXXXXXX XXXX to XXXX XXXX ( with no address provided ). I then contacted XXXX again and stated there was no delivery, all XXXX advised me to do was contact XXXX and see what the issue was. I wound up going to the actual hub in XXXX, FL and the guy advised me that this was a possible scam and due to security reasons could not give me any details of where this tracking number was delivered to other than it was not to my address and he advised me to call the XXXX XXXX. I called the XXXX XXXX and they confirmed that this tracking number was not delivered to my address nor was it my name that it was a female name and it was generated by Amazon, I asked if I could get any documentation and the cust svc rep stated she did not have the capability of doing that. So again I verified that it was not my name nor my address on the package and asked her if the credit company called XXXX would verify that to them and she said yes. I contacted PayPal Credit and filed a dispute with all the info I obtained and was advised it would take up to 60 days for a resolution after their investigation. I received a letter stating the dispute was closed because XXXX stated it was delivered. I then called PayPal asking why when there is proof, the rep then reopened the case and we went further to where I called XXXX on a 3way call and the XXXX XXXX confirmed to the bank that it was not delivered to my name nor my address and that it was an Amazon shipment tracking number. I also submitted documentation from Amazon stating that the tracking number is in no way associated with me and does not have my name or address and as stated it is someone else. So the case was now reopened and again up to 60 days for a resolution. On XX/XX/2023, I received a letter via my credit account on PayPal that the dispute was closed and once again it was advised that XXXX stated I received the delivery and that the reason for what looks to be a fake letter ( because of the letterhead logo ) is that XXXX has on record the authenticated shipping address on file matches the shipping label address used by the seller for the transaction. I immediately called Synchrony Bank and spoke to an account manager and he stated he saw all the documentation, screenshots, the documented 3-way phone call with XXXX, and many other pieces of info to support my claim of fraud and this being a scam. He doesn't understand why the disputes department doesn't look further into it to verify the proof I have sent and reopened the case. He also advised me to file a complaint at consumerfinances.gov which will then get to the corporate level, he also gave me the address and President/CEO 's name to also address the issue that way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: two hard inquiry was on my account after I ask to get them removed. called to get the hard inquire off my account, talked to an fraud investigator who said they would take the inquire off. but they only took one off when checking my report I still see that the inquire is still there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
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 signed up for the XXXX Synchrony home credit card in XX/XX/XXXX. I spoke with a representative via phone to finalize my application and make sure we were approved for the total cost of the XXXX couch. I went into the synchrony system today to payoff the credit card and noticed my statement had fees for " PYMT CARD SECURITY '' ranging from XXXX XXXXXXXX each month. I distinctly recall telling the representative that I did NOT want to sign up for the debt cancellation program. I just requested a refund for the amount today along with interest charged. They said it was selected electronically, but I spoke with a rep via phone to verify my information. The credit security rep also is showing an amount to refund on the XX/XX/XXXX statement for {$89.00}, however, my statement shows {$92.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64086
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A