Date Received: 2023-06-19
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: 01. XX/XX/2023 - I made an on-line purchase for 4 pairs of men 's shorts - total cost : {$86.00} from JC PENNEY . 02. I waited patiently for 3-4 weeks, but the purchased goods never arrived at my home. 03. Following the " Track your shipment '' information provided by the seller 's delivery agent ( XXXX ), we discovered the shipment had been sent to a non-existent address. 04. Notwithstanding this, XXXX records indicate that somebody ( neither me nor an authorised representative of mine ) came in and signed for the package. We have no way to know who this was. 05. XX/XX/2023, I called JC PENNEY Customer Service, to ask for their help tracking down what happened, who the package was delivered to, and why. JC PENNEY Customer Service advised they could not help- I needed to contact their delivery agent, XXXX. 06. XX/XX/2023, I attempted to reach XXXX - but XXXX offers an IVR system only. I attempted to lodge an on-line complaint/query, but the " system '' rejected my efforts, advising that only the sender ( JC PENNEY ) could initiate such a complaint/query. 07. XXXX XXXX, I again called JC PENNEY Customer Service XXXX and advised that XXXX would only accept a query from JC PENNEY ; they would not talk to me as the addressee. JC PENNEY Customer Service response was that they could not help me. 08. XX/XX/2023, with no obvious other path open to me, I then lodged a " purchase dispute '' with SYCHRONY BANK, the issuer of the JC PENNEY credit card. 09. XX/XX/2023, I received a letter from SYCHRONY BANK, indicating they misunderstood the issue to be a missing refund, and asked me to submit the refund receipt. 10. XX/XX/2023, I wrote back to SYCHRONY BANK, advised them that they had misunderstood the " purchase dispute '' - there was no missing purchase refund with a receipt I could submit - the dispute related to non-receipt of the ordered merchandise. 11. XX/XX/2023, I received a 2nd letter from SYCHRONY BANK, confirming that a purchase dispute had been opened, and the {$86.00} was temporarily suspended from my balance due, pending results of investigation. 12. XX/XX/2023, I received a 3rd letter from SYCHRONY BANK, advising that " We have been advised by the merchant that the merchandise has been delivered, '' the claim was rejected, and the {$86.00} was now released back into my account as an amount due and payable. There was no acknowledgement that I had not received the goods, nor any apparent investigation to assess to whom the merchandise had been delivered. In my humble opinion, this rejection of my purchase dispute without any apparent attempt to ascertain why XXXX released the merchandise to somebody ( not me ), especially when the address for delivery was not a valid address, is not good enough. It's my belief that XXXX JC PENNEY 'S delivery agent, made a mistake. At a minimum, somebody should have called me, or written to me, when the invalid address was noted. Accordingly, at this point, I am not intending to pay for goods not received. I am nearly XXXX XXXX XXXX, with an impeccable record of paying all my bills and credit card balances. But in this case, I feel JC PENNEY 'S response has been insufficient/inadequate. Hence, my lodging this complaint here...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94608
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I reviewed my credit report and it shows 3 hard inquiries that Im currently unaware of. Ive attempted to get in contact with creditors regarding matters but have been unsuccessful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I contacted Synchrony Bank JCP last year in XXXX of XXXX. I was in the hospital for extended time. Because I am profoundly deaf, there's no option in the Hospital for me to call via TTY to touch bases with anyone during this time. A Social worker tried but Synchrony Bank Rep refused, and stated " Client must speak directly to us '' ( I was, I needed someone to be my ears ). He disconnected the line. We tried several times without any success. There are no Desktops or Laptops available for patients, they would have to bring their own smart phone or laptop- neither do I have any in my possession. In XXXX, XXXX, XXXX - multiple days and times, I tried calling Synchrony Bank via the FRS. 90 % the Rep just " disconnected the call '' or " placed on extended hold until there was complete silence until a Circuit Busy signal came on ''. Because I am a care-taker to my XXXX XXXX XXXX mother, and also a grandmother that has to watch her grandchildren while their parents worked. I just could no longer sit there for 2-3-4 HOURS ( not minutes, but HOURS ) waiting for a Rep to come to the phone. Then in XXXX of XXXX, I FINALLY, got a Representative on the PHONE! We went over the accounts, and I told her I can make payments on the JCP & Amazon ; and she learned I had been in the hospital without any ability to be able to contact ANYONE even with all attempts. I did not have online access during this time. I had my sister to login to my bank account to make payments. Since there's no USPS bills being sent anymore, there were no way for me to even KNOW how much was due, because all three Synchrony Bank accounts have their own passwords. She then stated they were going to send me the forms for me to sign ( they never came ), and in addition, I needed the JCP Statements for the past 12 months. None of the documents even arrived. While my Sam 's Club account was just fine, and due to my Daughter in Law, she was not going to help pay for her expenses used on my JCP and Amazon Store Card. Synchrony Bank already closed those two accounts, so I am making payments on it. Finally the opportunity to make payments on it after I spoke with Synchrony Bank via the PHONE directly, that they do not send papers, I could do it online. So in late XX/XX/XXXX, I finally made payment arrangements. Synchrony Bank was supposed to send me a statement showing me the exact amount and as agreed. There were no options to DOWNLOAD anything. So once again, for HOURS, waiting on the phone for a Rep when my time is precious, I have to run back and forth to take care of a XXXX XXXX XXXX mother, and run back and forth to take care of XXXX children. For some odd reason, it kept reverting to " online '' instead of paper. I FINALLY got a REP! That Rep was utterly rude to the FRS ( Federal Relay Service ) Operator. Kept speaking with a heavy accent, the Relay Operator had a terrible time understanding him. So I requested him to get his Supervisor, he placed us on hold, we waited and waited for over 4 hours, until we got a message that " The Bank is currently closed, please call us back during normal business hours. '' THIS CYCLE IS CONSTANT, REPETITIOUS, AND A VIOLATION OF THE ADA REGULATIONS! I've LOST county how many Representatives say 'WE ARE SORRY, WE CAN NOT ACCEPT THIS TYPE OF CALLS, WE MUST SPEAK TO THE PERSON DIRECTLY. ' ( THEY ARE SPEAKING TO ME. ) Then the Synchrony Bank Reps would even go so far 'TRANSLATOR, PLEASE ADVISE THE CUSTOMER WE HAVE LANGUAGE SPECIALISTS THAT CAN SPEAK DIRECTLY TO THE CUSTOMER. ' I SPEAK ENGLISH! THEN : For some odd reason, it kept reverting to " online '' instead of paper. As of Friday, XX/XX/XXXX, for some weird reason ( I think my cat had to trigger the answering machine ). I had received 3 Phone Calls from Synchrony Bank - one from JCP, Amazon, and Sam 's Club. Because the messages were left, I had to disconnect the phone and drive 5+ miles south of me for a hearing person to hear. EVERY.SINGLE.MESSAGE. was this : " Hello, this is Synchrony Bank ( JCP/Amazon/Sams ) . We need your Lawyer 's name and bankruptcy... ( message was very garbled, unable to hear the rest of it. '' Number One. There is NO Lawyer. Number Two. There is NO Bankruptcy. Number Three. I had already agreed with the payment plans for the JCP and Amazon Store Card. The Sam 's Club remains open. Because of this " UNUSUAL REQUEST '' from Synchrony Bank for " my lawyer and bankruptcy '' (??? ), they would no longer speak with me. My Sam 's Club is to remain open, the other 2 accounts, I am paying it off. They are VIRTUALLY IMPOSSIBLE AND ARE NOT ADA-FRIENDLY AT ALL! Once I learned what those messages were ( it was an Automated Robo/System call ). I tried to login and NOW ALL MY SYNCHRONY BANK ACCOUNTS ARE CLOSED AND I HAVE ZERO ACCESS! FOR SOME REASON, ALL MY PASSWORDS WERE CHANGED! Discrimination towards the XXXX & handicap? ALL TIME VIOLATION. I've lost count how many times the FRS Relay Operators had to battle against Synchrony Bank 's Reps. More often than not, these Reps just " hangs up '' or " places on extended hold ''. The FRS introduction is required by Federal Law, and I never get got passed to the origins of the phone call. Unable to login with my passwords, because they were all changed without my consent. I am no longer able to get my statements ( which never arrived, and I am now missing 32 month 's worth, from JCP and Amazon ). It took me a very long time to get a password, because they required this stupid phone number to send a code, and they still wouldn't allow me to change the password. As stated, I am still making payments as promised. THE BANK BREACHED everything! I have a reason to believe the Bank committed Fraud. For the Bank to go so far to state " We need your lawyer 's information and bankruptcy... .. '' ( whatever the ending message was ) THERE IS NO LAWYER. THERE IS NO BANKRUPTCY. YOU FAILED ON YOUR PART MAKING IT IMPOSSIBLE FOR A PROFOUNDLY XXXX PERSON TRYING TO TOUCH BASES WITH YOU SINCE LAST YEAR!
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: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. In accordance with the fair credit reporting act, SYNCB/CARE CREDIT has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.1 5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1681a : report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1681c-2 : Block of information resulting identity theft. 15 USC 1681n : Civil liability for willful noncompliance. 15 USC 1681o : Civil liability for negligent noncompliance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39401
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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 writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress 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: 33166
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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 writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious XXXX XXXX & will continue to cause me XXXX XXXX XXXX XXXX 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: 335XX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Account opened in my name without my permission. Perpetrator used my correct name, address, DOB and SS number. XX/XX/23 account at BELK/SYNCHRONY attempted to be opened XX/XX/23 account at XXXX XXXX was closed by me after I found about it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Syncrony Bank I was told someone would contact me within 30 days of a " ticket '' being submitted, that didn't happen. Have spoken to several Customer Service Agents to no avail, and two supervisors, also with no answers. I have sent a letter by regular mail, it wasn't answered, sent the same letter a second time, registered, return receipt, still no answer. Continued late fees all this time for paying early. One month my payment didn't go through, and I didn't know it until very late in the month. They still have not credited my {$100.00} payment paid early, and keep racking up {$40.00} late fees every month. I have docs to show
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97302
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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: Synchrony Bank Customer Service XXXX XXXX XXXX XXXX, FL XXXX www.mysynchrony.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX RE : XXXX Consumer Financing Account Ending in XXXX Creditor : Synchrony Bank Dear XXXX XXXX XXXX Thank you for your patience while we researched your dispute in regard to your XXXX Consumer Financing charge account. We have considered your rights under the terms of the Fair Credit Billing Act. Your claim was acknowledged and presented to XXXX XXXX XXXX. A copy of their response is enclosed. The nature of your dispute concerns a service quality issue. We sincerely regret you are not satisfied with the quality of the merchandise. While we empathize with your situation, as the creditor of your XXXX XXXX XXXX account, Synchrony Bank can not judge the quality of merchandise received. We encourage you to work directly with your merchant to reach a resolution to your concerns. On the basis of information available from both parties, we have released the remaining disputed amount in the merchants favor. At this time, we consider the dispute closed. The previously disputed amount, still unpaid, will be included on your next statement and due with your next payment. Please refer to the minimum payment amount and due date on your next statement. In accordance with Federal Regulations, we are providing you the address of each credit bureau agency that reports this account on your credit bureau report. XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX If we may be of additional assistance, please contact customer service at ( XXXX ) XXXX. If you have information or documentation to support your billing inquiry not previously provided to us, please contact a billing inquiry specialist at ( XXXX ) XXXX between the hours of XXXX XXXX and XXXX XXXX. XXXX XXXX, Monday through Friday. Sincerely, Specialist, Billing Inquiries for Synchrony Bank Enclosure XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70127
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Synchrony Bank Lowes is reporting 7 late payments to the credit bureaus. 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57104
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A