Date Received: 2023-06-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX someone opened a Venmo Visa card in my name and charged around {$600.00} to said card. I received a notification of a new card added to my Venmo account which was not done by me, so I contacted Venmo to report that this was not me. The next day my bank account was hit. They were not able to get money from my bank account because the bank caught it in time and notified me. The Venmo Visa Card however was opened with a credit limit of {$11000.00} and is now showing on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Synchrony bank TJMaxx XXXX was closed without my knowledge or even a notice, I was checking my accounts and noticed it. Last weekend I checked my account and it wasn't paid with autopay that I set up in XXXX when I changed my bank account through their automated system, I also made the payment in XXXX. In XXXX when I noticed it didn't autopay ( last week ) I called them, made the payment and found out their system didn't change my mailing address or my bank account. While on the phone with them we fixed the address, banking information, I made my payment and disputed the {$38.00} fee they charged me for being late. I explained what I said above and they said they removed but that is when they probably closed my account behind my back. Last night when I. checked my credit report my points went down and when I saw Synchrony closed my tj max I was flabbergasted. I called them and they said I have 3 returned payments and there is nothing they can do. One was in XX/XX/2022, XXXX in for XXXX this year that I didn't even know about and XXXX 's payment wasn't done and I realized that ( last weekend ) that is when I called them. Synchrony bank hurt me during Covid by cutting my available credit in half even though I was in good standing. This system is destroying my ability to move forward in life and I beg you to please see what they are doing to hold me down. Their system did not make the changes I put in, I have even had a problem setting up autopay In the past just to be charged the hefty late fees. Please investigate them and open my old complaint if you can. Thank you for your valuable time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34221
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
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 made an online purchase at XXXX. They shipped out my purchase and it was to be delivered XXXX - I got a call from XXXX around XXXX asking if I got the package and I told them that I did not. the next thing that I know - XXXX updates the tracking number saying that it was delivered on XXXX and that I signed for it. I called XXXX and the shipper asking for my AUCTAL signature ( you sign a digital pad/or they take a photo of the package on the doorstep ) to this date they still can not do that. I have tried to explain that I work Monday - Friday XXXX and there is NO way that I signed for this package. I was denied over and over... So i called Synchrony Bank and filed a dispute with them. They keep telling me that I signed for this package and they siding with the shipper. All that I am asking for is show me who signed for it. Fast forward to XX/XX/2023. I get a letter from Synchrony on XX/XX/2023 that a credit in the amount of XXXX will be credited to my account on XXXX. This still has not happened. I called the bank yesterday and spoke with a Supervisor and he said that no credit will be issued. They can not give me a reason as to why they are not honoring the letter that I received. I don't understand any of this. Why is it that just because XXXX says that it was delivered and they cant show proof of that - I am out the money and the package. I explained to XXXX at the bank yesterday, that i have never had an issue in the past and that i have purchased more items from that location from XXXX I just want this taken care of - I would like the credit that they said was going on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
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 ordered a refrigerator from Lowes Home Improvement XXXX. They did not deliver it or call me on the deliver day. I looked at my account for Lowes online and it look like it was returned to their store, so I ordered a refrigerator from XXXX XXXX instead. In the mean while, Lowe 's created a new order and tried to deliver the refrigerator. When they the delivery person called me, I declined delivery of their refrigerator. The delivery person processed my decline as a delivered refrigerator and signed " N/A '' for my signature ( THIS IS FRAUD ) XX/XX/2023. I contacted the store multiple time by phone and in person asking for them to remove the charge since I never agreed to the purchase of the refrigerator and never received the refrigerator. They keep refusing to refund the charge of {$1100.00}. They sent me a gift card and told me to pay the charge with the gift card. I went to the store to attempt to use the gift card to pay off the charge, but the Lowe 's stated the don't accept gift cards for payment. I have not used the gift card. I opened another dispute with Lowes for the charge by phone. I received a letter from Synchrony Bank/ Lowe 's account XX/XX/2023 stating that they are reviewing my claim. Lowe 's still has my account with the refrigerator marked as " Return Received at Store '' XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Venmo Synchrony Bank has an account opened in my name and acknowledges that the account is marked as fraud but refuses to remove the account. I have emailed numerous times, but the account still appears on my credit report. I recently went to qualify for a home loan and to my surprise the account appeared and I must go FHA now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: IN XX/XX/2023 I OPENED AND GOT APPROVED FOR A CREDIT CARD WITH XXXX XXXX XXXX AND THE CREDIT CARD FROM SYNCHRONY BANK CREDIT CARD. SINCE I HAVE NOT RECEIVED THE PHYSICAL CREDIT CARD OVER THE MAIL, I CONTACTED THE CUSTOMER SERVICE DEPARTMENT AT SYNCHRONY BANK, I EXPLAINED THE SITUATION AND THEY TOLD ME THEY WERE GOING TO SEND A NEW CARD, BUT I NEEDED TO ANSWER SOME QUESTIONS. I AGREED, AND THEY STARTED ASKING THE QUESTIONS AS IF I HAD LOST OR IF THE CARD WAS STOLEN, THEY ALSO ASKED IF MY WALLET AND GOV ID WAS STOLEN OR LOST. I EXPLAINED TO THE LADY THAT I HAD NOT RECEIVED THE CARD OVER THE MAIL, AND THAT IT HAD NOT BEEN STOLEN. THAT THOSE QUESTIONS WEREN'T RELEVANT TO MY CASE. SO I ASKED TO SPEAK TO A SUPERVISOR, THE SUPERVISOR BASICALLY TOLD ME THAT IF I WOULD NOT ANSWER THOSE QUESTIONS, I WOULD NOT GET THE CARD. THEY MADE ME WAIT OVER AN 30 MIN AND THEN THE CALL GOT DISCONNECTED. MY CONCER IS THAT I WAS APPROVED FOR A CREDIT CARD IN THE AMOUNT OF {$12000.00} AND NOW I DONT HAVE A PHYSICAL CARD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I attempted to use my card and it was declined. I contacted the bank and was told that the card was closed by the bank. When I asked them why they cited vague reasons caused by some sort of system glitch. I had never missed a payment and had just paid off my balance on the card. I believe the card was closed because I pay my bill and the company only wants to keep accounts that pay high interest rates. They punished me for paying my bill. Because of this account closure I have lost access to my rewards dollars that I earned in good faith. The bank was Synchrony Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07650
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a summons from XXXX XXXX on XX/XX/23 without prior warning that they would take legal action. I have not been able to contact their office with the phone numbers provided in their correspondence. The call gets dropped whenever I attempt to call them. Im able to get through but the call always gets disconnected after selecting the option to continue in English. My phone number is incorrect on their website and the only way to update is by phone. I tried calling them on XX/XX/23 and submitted a call back request with a good number on their website. I attempted to call again on XXXX, XXXX, and XXXX. I also submitted call back requests on XXXX, XXXX and XXXX on their website. On XX/XX/23 at XXXX XXXX I went to their physical office located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX but no one appeared to be in the office as the lights were off. There was a notice on the door with the same number ( XXXX ) the calls were disconnected from. I only have 20 days to respond to this summons but I am unable to contact them to discuss my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74135
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The company repeatedly calls and texts me about a debt, but I am not the person they are looking for. They have the wrong contact information but still harasses me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My PayPal Credit account, run by Synchrony Bank, has the Autopay feature turned on, meaning that they automatically withdraw funds from my checking account each month to pay off a portion of my monthly bill. This year, they deducted {$120.00} on XXXX, {$120.00} on XXXX and {$170.00} on XXXX from my checking. Last XXXX and this month ( XXXX ), my auto-payments were returned due to lack of funds in my checking, for which I am charged a {$27.00} return check fee. My PayPal Credit account has been closed this whole time, and I am actively working with a lawyer to complete a bankruptcy filing. Since XXXX, I have wanted to turn off this Autopay because I need to save my money to pay for regular monthly bills. However, my personal PayPal account is currently locked because of a separate issue of an overdraft on the account causing a negative balance. Paypal is refusing to unlock my account until I pay off the debt from my negative balance, which I can not afford at this time. However, since my PayPal Credit account is managed in the same Paypal dashboard, this lock has meant I can not turn off or modify my Credit AutoPay in any way for six months now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A