Date Received: 2023-06-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My name is XXXX XXXX, my mailing address is XXXX XXXX XXXX, XXXX XXXX XXXX, Oh XXXX. The account number for XXXX XXXX and more is XXXX, the account number for XXXX XXXX is XXXX and TJMaxx is XXXX. The reason I have requested assistance is I had four credit card accounts with Synchrony bank, TJMaxx, XXXX XXXX XXXX, XXXX XXXX and Lowes Home Improvement. I purchased furniture in a buy one get one free promotion in XXXX of XXXX with my XXXX XXXX card. I had an issue with the television which was one of the free items and it later showed up as a charge on the account. I called Synchrony about this issue and they closed that account while investigating and gave me a new account, this caused me to have no access for proof of date of purchase and actual charges. After this I was making payments on the account, paying extra so as to pay off the card as quickly as I could. A year later I purchased an embroidery machine, about XXXX of XXXX. I had the XXXX XXXX account paid down to {$930.00} when I noticed that my balance went back up over {$1600.00}, so I contacted Synchrony and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again, I had paid extra. The representative then argued with me about the interest and I asked what would happen if I closed the account and just made payments and I was told that I could not do that. I would have to pay the full amount or get sent to collections. I could not pay the full amount so I continued to make payments on the accounts. About XXXX of XXXX I was notified by letter that three of my Synchrony accounts would be closed, the reasons were late car payment, balance not paid down enough of my home and something else I can not remember ( I am searching for a photo of the letter as I no longer have access to them in my app ). The car payment being late was legitimate because I bought a car and my son was supposed to be paying for it and wasn't making the payments I later found out, but at the time of the letter it was one payment late. The reason about my home was not legitimate because I had actually just purchased my home in XXXX of XXXX and was paying a little extra on each payment to bring the principle down. The TJMaxx account had XXXX balance and they still used the same reasons to close it. The Lowes account however, is still active and I am making payments on it, it was never closed. If I have four accounts with them and they closed three for the same bogus reasons, why wasn't the fourth closed too? I have dealt with credit card company 's in the past who have closed accounts after a year of inactivity, which is what I actually believe Synchrony has done with the three accounts. I had not made a purchase on any of them for over a year as I was trying to pay down debt. I called customer service for all three accounts after receiving the letter and complained that their reasons were not legitimate and I was told they would investigate and nothing was done. So, when they closed these accounts not only did they drop my credit score which I was trying to bring up, they also reported them with derogatory reasons. I tried to continue to make payments through the app on my phone as I had been doing the whole time only to find I was locked out from everything, all I could see was a balance and a due date. When I logged into my online account for my Lowes card, I wasn't able to add it to my app, I found that the closed accounts were linked to it. Again, I had no access to anything in these accounts except a balance, payment amount and due date. I had a drastic reduction in pay, about half what I was making, so I contacted Synchrony after receiving a certified letter and made a payment arrangement for the XXXX XXXX account. I fell behind on the XXXX XXXX XXXX card but managed to come up with the overdue amount plus paid extra to bring the balance down. It was over {$700.00} and I made a {$400.00} payment to bring it down to I believe about {$320.00}, again I have no idea the actual amount because I have no access to anything. After I made that payment I logged in the next month and the account was showing a minimum payment due of over {$120.00}. That was not the original payment amount so I paid what I could because I do not remember what the original payment was, remember, I have no access to any previous account information. I have been making payments on these accounts, not the original payment for XXXX XXXX XXXX because I have no idea what the original payment was. While I have been doing this they have reported that I have not made payments, added late fees and interest and doing whatever they can to drag my credit down further. The final straw was last week when I tried to log into my " account center '' as they had it labeled, to make a payment on the two closed accounts and they took away my access to them. This page now just shows my Lowes account. Not only am I now not able to pay these accounts online, it also broke my payment agreement for the XXXX XXXX account. This company was so mad that I argued with them about what I felt was an unfair practice of not calculating the actual interest that would have been accrued on my account, that they purposefully closed accounts with derogatory remarks and have intentionally made my ability to make payment, not once but twice, as difficult as possible. And, may I add that while I was making payment, I received telephone calls and emails from them daily telling me I need to make a payment. Also, I work third shift currently and sleep most of the day. I would also like to add that when they closed my accounts, my insurance went up which in turn also made my house payment go up because we all know insurance is based on credit scores. I am currently looking for the copy of the account closing letters I originally received and if I am able to find them I will email also.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43160
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Tried to login to my Amazon credit card account and didnt realize I was trying to login into a fake synchrony website that is completely identical to the Amazon one. I realized it was fake because it said I didnt have an account with them. Went back to the search page and they were side by side identical. Entered all my information to try to retrieve my account because I had forgotten my login and password. Even asked for my last 4 digits of my social
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I filed a dispute with XXXX over an item I received that wasn't working. Company agreed to give refund. I ask XXXX if I can refund the entire purchase amount since the only way I could get the computer to help with a non-working item was to file a dispute. XXXX agreed that it would be a legitimate claim. I asked the retailed for a prepaid return label. They sent me one. I mailed all the items from order back to company and sent XXXX the tracking information. After the retailer got the return package, XXXX denied claim. If I were a betting person, I would bet that XXXX is siding with XXXX government on this one and since I already paid off purchase, I have lost the cost of the goods and have no goods and it is a result of the company not sending a working printer in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A fraudulent address was added to my credit file by Lowes. I live in XXXX and the address added to my file was in XXXX. The credit reporting agencies said they can not remove the address and to contact Lowes. Lowes has not removed the fraudulent address nor responded to my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX highlander. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than XXXX late payments. I was never XXXX or XXXX days late. How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for XXXX mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28803
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone, somewhere, & somehow has gotten my social security number and applied for bunches of different credit cards online apparently because I have XXXX hard inquiries and I did NONE them myself!!
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: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
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/XXXX I orderd a {$600.00} Flute from XXXX XXXX XXXX website using my Synchrony Bank / TJX Platinum Mastercard the item was never delivered/sent to me as promised as indicated on my confirmation of sale email from the seller XXXX XXXX XXXX. On the seller website when I placed my order the delivery date was 90 to 180 days for the flute to be made and sent to me as indicated on my confirmation email from the seller. I emailed the seller asking about the item after waiting 180 days and was told that the item was not done I asked the seller to cancel my order the sellers response was they don't offer refunds. I then placed a dispute with my credit card company Synchrony Bank / TJX Platinum Mastercard I provided the confirmation sales email that indicated the 90 to 180 days for completion. Synchrony Bank / TJX Platinum Mastercard denied my chargeback as the seller claimed that I agreed to wait XXXX months or a year or however long it would take to send the item out to me, that is compltely untrue and I have the confirmation email that indicates otherwise. The seller changed the dates because they were taking orders that they were unable to fufull in the timeframe that I was given when I placed my order on XX/XX/XXXX. I tried to dispute the charge agin as I still have never received the item and the dispute was denied agin and the seller calmed that the item was deleverd but no proof of that because the item was never sent out. I have a confirmation of sale email from this seller and you can check the shipment status it clearly shows the item was never sent out. I ordered another item from this seller before this and on that confirmation email the status shows delivered. I have placed a complaint with the XXXX XXXX XXXX and the XXXX tried to make contact with the seller multiple times and did not get a response. My complant about XXXX XXXX XXXX is listed online with the XXXX. I will continue to dispute this charge I agreed to the the item being sent out in the time frame on my confirmation email and the website on XX/XX/XXXX ( XXXX to 180 days ). The merchant has changed the their website and policy due to not fulfilling orders in the timeframe that they gave to me and other customers on or before XX/XX/XXXX. I NEVER AGREED TO WAIT XXXX MONTHS OR A YEAR OR MORE!! Completion date given XX/XX/XXXX or XX/XX/XXXX ( item never completed or sent out ) I recently sent letter and a copy of the confermation to Synchrony Bank XXXX TJX Platinum Mastercard. Any help with this matter would be greatly appreciated. I am a XXXX Veteran and what I thought would be an easy fix has caused my so much XXXX
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: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account history information is incorrectly reported on three of the credit bureaus. According to the law Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19007
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I have a XXXX yr CD that has reached maturity with Synchrony Bank and they are telling me they have a policy that will take XXXX or XXXX business days in order to DECIDE whether or not to honor my REQUEST to get my funds sent back to my XXXX bank account via XXXX transfer. Then it will take XXXX XXXX days for the XXXX transfer ... yikes! I have read online that Synchrony is under investigation for false claims and " flagging '' CD accounts as FRAUD in order to keep people 's money for months ... interest free ... instead of returning people 's money to them... I called CFPB about this and was told to call XXXX Rules which I did. THEY told me to call FDIC, which I did and was told to call CFPB! So, I don't know what to do. There doesn't seem to be any kind of XXXX XXXX or tracking of XXXX transfers, and I am afraid my account still shows that it is in the grace period and not closed and NOT on its way back to me! This scares me because this money IS my retirement!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94585
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX, I made a deferred interest purchase with XXXX XXXX XXXX XXXX ( Synchrony Bank ). The deferred interest period ends on XX/XX/XXXX. On XX/XX/XXXX, I made an online payment to Synchrony Bank on that account for {$130.00}. On XX/XX/XXXX, I made a new purchase using that same store charge of {$1500.00} at XXXX 's, which was a regular charge ( interest applying ). There were advantages for using the store credit card for the new purchase, which were explained to me by the store associate. Those advantages were a discount for using the store charge. I could have used a regular XXXX for the purchase, but I would not get the same discount benefit. Not wanting to pay interest on the newest purchase I made a payment of {$1500.00} on that account on XX/XX/XXXX ( in the same billing period ), with the understanding that the payment would first be applied to the interest accruing purchase, leaving the deferred interest purchase intact. I started to notice I was being charged interest on the account and I called them. At first, they agreed to resolve the matter reapplying the payments made in XX/XX/XXXX to the interest-bearing balance. Today I spoke to a representative when I saw the new balance had interest applied as well at XXXX and asked what was happening with this issue. To date, I have been assessed {$94.00} in interest payments and have no recourse with them as they are denying me my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17522
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A