Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a letter in the mail for synchrony home issued by synchrony bank. I have not personally applied for any products or services through this company. I went in to buy a product from a conns and was told that my credit would be pulled for the application. I was unaware of my credit being pulled a few times in order to receive a product. I was not notified by the employee. However, after contacting synchrony home I discovered that my credit had been pulled a few times resulting in the letter I received in the mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have circled the items I dispute on the attached copy of my credit report ( s ). This item : 1 ) XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXXXXXX XXXX XXXX XXXX. Account # ( XXXX ) Reference # ( XXXX ) XXXX ) XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : SYNCHRONY BANK Account # ( XXXX ) Reference # ( XXXX ) is inaccurate because [ I have never owed XXXX XXXX XXXX XXXX nor have I ever entered any legally binding contracts with them, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I am requesting that [ XXXX XXXX XXXX, XXXX ] have the item removed immediately. Enclosed are copies of [ my credit report ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
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: XXXX I paid off my Amazon card. I called Amazon credit services on XX/XX/XXXX because my acct showed negative {$52.00} I was told it was a credit. I tried using it towards a purchase but it wouldnt work with their assistance. Finally in XXXX I was issued a refund in form of a check. On XX/XX/XXXX I paid off my acct {$270.00} On XX/XX/XXXX I purchased deco mesh Wi-Fi router extended I had to return it on XX/XX/XXXX and recieved credit of {$100.00}. I watched my balances it never reflected refund of {$100.00}. I paid {$160.00} on XX/XX/XXXX watching to see if credit was made no it wasnt. I called Amazon credit XX/XX/XXXX at XXXX spoke with XXXX employee Id # XXXX she said she saw it said credit says applied but it never was because I kept paying off the balance. She said she would report to billing give them 30 days to get credit.I called XX/XX/XXXX at XXXX spoke to XXXX he said I would have to call XXXX he couldnt transfer me than said she wasnt in. All these calls Ive asked for my {$100.00} credit back in a check. I tried calling Amazon customer service they said they cant help. Recently I had another credit of {$14.00} on XX/XX/XXXX it never been posted or given back. Also a purchase was made XX/XX/XXXX I didnt buy anything. {$14.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93306
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I used a synchrony card to buy a bicycle to commute to work and train. The amount was XXXX. I was given a year to pay it off with no interest. The minimum was XXXX. I paid XXXX and sometimes more for a year. When the year ended I had about XXXX dollars remaining. XX/XX/2023 I was slapped with a XXXX dollar charge. This was the date the zero interest deal expired, making the amount due over XXXX. I paid off the entire outstanding bill. I am troubled by two issues. First, I am a father and a husband. If one of my children had bought a bike for college, they could have easily fallen prey to such chicanery. Second, I was charged a late fee for the first payment despite never receiving any details about the bill and who to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am trying to reapply for a card but Care credit says my credit score is too low and Im not able to make payments or use my card anymore they closed my account due to returned payments 3 times in 12 months but they were in an hour period and I have never missed a payment I would like help reapplying for my card thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33181
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX, I had a balance on my Care Credit account of {$4000.00}. I checked the email and it asked for a minimum payment of {$130.00}. I've always been paying no less of {$150.00} to help lower the balance as fast as possible. I checked my balance today XXXX XXXX, 2023, and my account balance had jumped to {$8600.00}. I immediately called to check if there was a fraud transaction on my account. A foreign woman answered my call but was no help. Her phone sounded like she was far and echoing. I kept telling her to repeat herself and fix this issue but she would negate the issue. I hardly understood what she said but from what I gathered, she said that some promotion had ended and that I should've received a statement with that wording. I looked for the statements in the past 3 months and didn't receive anything. So the {$4500.00} charge was pure interest. That's well over 100 % upcharge. Why did no one reach out? Why was the minimum payment so little?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
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: We purchased a grill on XX/XX/XXXX and paid to have it delivered. We asked the associate to please deliver one that was already assembled. He said he had several in the front and the back and it wouldnt be a problem. On Tuesday XX/XX/XXXX we got a call saying the grill was on its way but it was not assembled. We refused the order and asked that the grill be delivered assembled as initially requested. The representative said he would speak to his manager and see if we could receive the grill the next day or day after. He called back and said the grill should be delivered in a few days. We had an event planned for XX/XX/XXXX and wasnt able to facilitate is since we had nothing to prepare food on. Finally on XX/XX/XXXX they called and said they would be delivering an assembled grill. I called lowes in XXXX nj where we purchased the grill from and asked to speak to a manager. A women claimed she was the manager. She asked me for my phone number and claimed she couldnt find the order. She put me on hold for XXXX minutes and never came back to the phone. I hung up and called back and asked for their manager XXXX XXXX, and I was transferred back to customer service only to be on hold for 15 minutes. No one ever answered. I requested a partial refund from the manager, and no one called back or tried to help. This is the worst experience I have ever had and will never ever purchase from lowes hereafter.
Company Response:
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The syphinmy Amazon card has payment allocations options. These options are only available on the " full site '' -- there is zero indication this is an option in either their mobile website nor their mobile XXXX XXXX It feels like they are hiding this feature to increase fees. It's the radio buttons, that isn't hard to give me on my phone where I actually interact with this financial product
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54115
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I purchased a sofa with Ashley Furniture on XX/XX/XXXX, and was promised 0 % APR for 60 months. I was set up for auto payments through MySynchrony so I never realized that on XX/XX/XXXX, they hit me with {$370.00} of interest and it has been rising ever since. The total balance is now more than what I started with! I had originally wanted to pay for the entire sofa in cash, but did not bring enough with me. I was promised by Ashley Furniture that I could come back and pay the rest of it off in cash, but when I had returned the next week they said everything had to be done through the credit card. After reviewing the contract, it does state that MySynchrony only allows 6 months of no interest, but the salespeople at Ashley Furniture DID NOT MENTION IT ONCE. I dont understand how it is legal for them to make these completely false advertisements. They will never receive my business again, and the sofa I purchased started piling after 3 months anyway. Total waste of my time and money!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Account was compromised and have been a victim of fraud XXXX of which was in XXXX of 2022 and in the amount of. {$1300.00} and the other {$530.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23693
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A