Date Received: 2023-06-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The XXXX from synchrony is a scam. After making thousands of dollars in purchases and earning $ XXXX dollars in reward points I am unable to use the reward points as promised. The seller I earned the points from is unable to take the points for a new purchase on XXXX. After speaking with representatives at Synchrony I finally called and spoke to account XXXX XXXX. She was rude and unhelpful just like the several representatives before her. This company blames XXXX even though they are the customer service for the credit card. I asked for a statement credit or some other compensation for the reward points I am unable to use, but XXXX is unable to comply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08723
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: This loan was as a result of getting new gutters installed from XXXX Filters. Was told interest free for 18 months. At the end of the 18 months because loan was not paid in full the financial institution added the whole 18 months worth of interest onto the balance. Now I owe almost the amount of the original loan. I actually had a previous interest free loan thru another institution and had no such problem. There have been additional payments made on this loan thinking to pay it off soon. Received no notification that the interest was going to be added. Hoping for some help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I purchased a set on sofas with interest for XXXX months. So before we start paying interest we payed the whole amount to synchrony Bank and they assured that my account was on XXXX with no any interest or fees. This happened XXXX months ago. In the meantime i was getting calls from them and emails for payments of the same account I already payed. I called the bank XXXX times, I talked to the managers and supervisors and they said that it was fixed but still I owe money. Also, the XXXX time I called, they said that they created a dispute to this case and will be fixed but the first week of XXXX, I called yesterday XX/XX/2023 and now they said that it will take longer than a month. But it is affecting my credit record, that are calling me for paying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 833XX
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: 2023-06-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Sychrony Bank, XXXX, Utah ( Seems to be the Credit card manager for Lowes credit cards ) has been charging me late fees and crazy interest for a Lowes credit card the store pressured me to open, explaining how great the card was and low the interest rate would be. In XXXX minues at the register she said i was signed up and after reviewing a few statements I quickly realized that was not the case at all. Every month thereafter I was charged about {$70.00} per month in fees and interest. So when I paid a monthly amount of {$100.00} only {$30.00} was coming off my overall balance? I wrote them, questioning this, and they immediately lowered my credit limit to the exact anmount I owed, and I further explained to them I will be reaching out to the proper agency to expose them for what they are -THIEVES! I finally after about 6 months paid the entire balanace off, but a {$1000.00} credit card balnace, cost me over {$500.00} in fees and interest, to have for 6 months. Something is very wrong here. How many good americans are getting the same selljob, and then getting the complate opposite and further trying to punish me for calling them out on it ... ..in my opinion, that is the bigger problem here, for they are a US fudiciary and bank, and should be holding themsolves to a much higher standard. Thank you for reviewing this problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I've been making payments to Synchrony Bank by phone. I have not been getting any mail from them. I usually pay {$170.00}. But in XXXX on the XXXX I called to make a payment and was told instead of the {$490.00} I owed it could be {$1000.00} in interest I have never been told about. I asked her what she was talking about but was told if I could make a payment of {$240.00} and the rest on the XXXX of XXXX no interest would be charged. I called just before the end of XXXX and talked to a different person i made a {$100.00} extra payment. On the eighth of XXXX I will call in {$120.00}. I am concerned that i was lied to and now they are going to charge me with an interest I never was told about. I would appreciate help toXXXX make sure I am not charged that extra money and my payment closes the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened an Ashley Advantage credit card at my local Ashley Furniture home store in XXXX, Florida back in early XXXX. The financing was through Synchrony Bank. I purchased a living room set to furnish the apartment that I would be moving into. I paid this set off before the promotional offer terms ended and went back to purchase a bed months later in late XXXX. I ended up paying the bed off early too, and wanted to take it easy for awhile on monthly furniture payments until I was in need of another purchase. So, I waited until I moved back to my hometown in XXXX to try and purchase a new bedroom suite . I attempted several purchases online with my Ashley Advantage card financed by Synchrony Bank. I had zero luck, thought maybe it was as a system error online or poor internet connection and would try again later. Many major life events occurred in between the attempted XXXX purchases. I was confused as to why my card was not working and I figured it was because I hadnt used it in awhile. I called Synchrony bank to see if my account was still open and active and each month on my credit report that is exactly what it has reflected so I really didnt worry too much about it. Sunday XX/XX/XXXX I wonder if I can try another purchase as I was browsing online and found a dresser and rug that I really loved, an online only purchase. I attempt another time to make a purchase on the Ashley website. I get the same error as months and years prior. I immediately got on the Ashley customer service chat to start my investigation to see why my card STILL isnt working. I spent a huge portion of my night speaking to multiple chat agents, some helpful, some not. I reached out to Synchrony customer service via phone because the Ashley chat agents are pointing fingers at Synchrony. Following my Ashley Chats, I spoke with 2 XXXX people from Synchrony bank. I could hardly understand them and I could not even finish speaking before they felt it was necessary to cut me off by saying nothing is wrong and that its Ashley Furnitures fault. The next business day, I call the local Ashley store to try and make a purchase with a salesperson over the phone. She was happy to help me and starts paperwork until I told her it was an online purchase only and told me that I could not order items online through the store itself and that they couldnt assist me. I had to babysit my nephew that afternoon, so after he went home I drove down to the XXXX, FL store where I was greeted by the same sales person that spoke to me on the phone, XXXX. I requested politely to speak to a manager. I was directed to the middle of the store where an unkempt, unprofessional young woman was sitting at the desk with her vape and cell phone in plain sight. I did an internal sigh and was polite while explaining the situation. She seemed reluctant to help me, but she got on the phone which Synchrony bank for me to try and address the issue as to why I can not make any purchases on my credit card. I kept getting a payment option error or billing error. Both the Ashley store manager and Synchrony agent still can not detect an issue and still blaming each other. The manager suggest I update my billing address with Synchrony, so I left the store and sat in my car to make the changes. The automated system to update my information informed me changes would be effective immediately, but I wanted to wait at least 24-48 hours to give each system time to catch up with the billing address change. I called a live Synchrony agent to ensure that my address was in fact the one I had just updated to, and it was. I explain AGAIN to ANOTHER person what has happened while I am still in the parking lot of the brick and mortar store. Still nothing can be detected as to why my card doesnt work. So, I waited 48 hours to attempt another online purchase. Yes AGAIN I am getting an error online stating its either a billing or payment option issue. At this point I am at my whits end with BOTH Ashley Furniture and Synchrony. All I want to do is make a {$600.00} purchase on my {$5500.00} credit card and utilize my credit line so they do not close my account due to inactivity. I am going to be livid if this is what ultimately happens in the end. I chatted with another online agent XX/XX/XXXX to see if I can try again. She gave me a number to call to see if my card is activated, so I called and it was. She couldnt assist me further so she suggested to send my information to the finance team at Ashley and told me they would be reaching out in 1-2 business days. Today is XX/XX/XXXX and if I do not hear back from them by the end of the day I am going to go back down to the store after work to see if I can get another manager. My patience and kindness is running out and Im going have to start being firm in order to protect my credit score. Both of these companies do NOTHING to help the customer. I am almost to the point where I am going to close the card myself and take the hit on my credit, these people do not deserve my hard earned money if they cant even assist me when I have a problem. Both companies have also treated me as if I am the problem and I am OVER IT. I really want to call the local news channel to spread the message and to inform people to NOT DO BUSINESS WITH THEM.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32713
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a FRAUDULENT ACCOUNT reporting on my credit report with a {$250.00} balance. THIS IS NOT MINE!!!! I have NEVER had a XXXX credit card with Synchrony Bank. I DEMAND this account be closed, reported as fraud, and removed from ALL XXXX credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: We moved in XXXX of 2018. I forgot that I used my JC Penney card around this time and never received a bill for it. The total charge was {$54.00} if I remember correctly. They sent the bill to my old address and it wasn't forwarded to my new address like everything else. I never got the bill, so I never paid it and had no memory of the purchase since it was so minor and we were concentrating on moving. I paid for a credit monitor service a couple of years after that and discovered this bill that was WAY overdue. I contacted JC Penney and questioned why they didn't call or contact me in any other way ( email and phone number hadn't changed ). They claimed they didn't have this information. I paid it over the phone and closed my account. So, now my credit score is much lower than it should be. I ALWAYS pay off my bills and my family 's bills on time and it makes me sick that a bill that was less than {$60.00} could lower my credit score so much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I paid my bill early 3 times and they waited to long to get the money from my account and I discussed this with them every time and then all of a sudden they closed my account and reported me to the credit bureaus and I feel that was wrong because they didn't grab the money in time but I did pay the bills early, this happened in XXXX XXXX and XXXX of 2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99216
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Request for 1099 for Charge Off Dear Sir/Madam, I am writing to request a copy of the 1099 form that your company issued in regards to the charge-off on my account. My account was charged off XX/XX/2023, and I am preparing my tax returns for the year. To ensure accurate reporting, I must include the amount of the charge off in my tax returns. As your company charged off my account, I recognize that your company must have reported the amount charged off as income to the IRS. Therefore, I would appreciate it if you could provide me with a copy of the 1099 form issued by your company for the period referred to above. Please send me a copy of the 1099 form at your earliest convenience to the address provided above. Please notify me if there are any fees associated with providing me with this form. If you require any further information from me, please let me know. I look forward to your prompt response and resolution of this matter. Thank you. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A