Date Received: 2023-05-19
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: This is for the Venmo Visa card issued by Synchrony Bank. I contacted the business on XX/XX/2023 and spoke to an overseas agent in regards to submitting a timely billing dispute. This is for a purchase dated XX/XX/2023, merchant is XXXX XXXX XXXX and the amount is {$4000.00}. The merchandise has been returned, proof is attached via XXXX showing that the merchant received the merchandise. Also, attached is the store policies taken directly from the receipt. The business has a 30 day return policy. Please process the dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an XXXX XXXX Secured Credit Card, issued by Synchrony Bank. On my XX/XX/XXXX statement I incurred a {$29.00} late fee and interest charges in the amount of {$7.00}. I did not recall getting my statement via the U.S. Postal service but assumed I must have missed it. I contacted Synchrony to ensure I was on paper billing and they indicated that I was. On my XX/XX/XXXX statement I again incurred a late charge in the amount of {$40.00} with interest in the amount of {$9.00}. I did not receive a paper bill again. I rely on paper billing for companies I do business with ( old school I know ) and as of last week my XXXX credit score received via my XXXX XXXX account has my rating at XXXX. XX/XX/XXXX I again contacted Synchrony via their chat services and corresponded with XXXX XXXX ( Chat ID XXXX ). I was told that I was on paperless billing. I never changed my election to non-paper billing and asked why it had been changed. I did not get a clear answer but was offered that they would refund the late fee and interest charges. And she assured me that I was now on paper billing. XX/XX/XXXX I contacted Synchrony and chatted with XXXX referencing my previous chat ID number. I told her that a credit for the interest in the amount of {$9.00} was posted to my account under the activities portion with an effective date of XX/XX/XXXX but that the {$40.00} late fee had not posted to the account she assured me the {$40.00} late fee was credited to my account and I asked where was it on the account for my review. She never really gave me an answer but while chatting with her she turned off my paper billing and put me on paperless billing. When I asked her why, she indicated I had answered yes. I had answered yes to her prior question. I then asked to be transferred to a supervisor. I was transferred to an Account Manager named XXXX XXXX. I again went through my questions/concerns regarding the credit and do they systematically remove customers from their elected billing preference. He indicated no, I again asked for confirmation in writing and again was not proved the requested information. He indicated that the credit for the late fee was indeed on my account and would be on my next billing statement and that I was back on paper billing. XX/XX/XXXX my monthly billing statement posted to my account with a closing date of XX/XX/XXXX. Upon my review I see the {$9.00} interest credit posted with an effective date of XX/XX/XXXX. However, the {$40.00} late fee is not on the statement. I start a chat with XXXX XXXX again going through my issues. She also tells me that they do not systemically remove people from paper billing and she assured me the credit was on my account and that I was on paper billing and would receive my XXXX statement via the postal service. I again asked where I could see the credit on my account and was not given an answer but again she reassured me it was taken care of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made two payments online drafted from my checking account for XXXX one XX/XX/23 and one XX/XX/23 each, a total of XXXX completely paying off my card. My card following the first payment was declined. The payment was not reflected so I made another payment needing to use the card out of town. I show one payment drafted XX/XX/23 and another payment drafted from my account XX/XX/23. Over the next week my card kept getting declined even though the limit was XXXX and it showed a balance of XXXX. I called customer service XX/XX/23 to ask why my card keeps getting declined when they had XXXX from my account. I was told the payment was " on hold '' conveniently payment is due XX/XX/23 and I will be charged 28.15 % in interest because the company refuses to credit my account after they have had the funds for a week. When I called I was told there was nothing they could do they were holding my account so I can not use my credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was fraud on my Care Credit account I did not make several purchases. I called them and they have a dispute in progress I have made a payment so it will not go into collections the amount is currently wrong. It should be less than {$800.00} which is the credit limit. I lost my wallet and card and someone was using all my cards and making purchases and paying other cards off to continue to use them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The care credit and net credit accounts are not accounts I opened or have any knowledge of opening. It's destroying my credit since they are in delinquency and the care credit is closed because i refuse to pay for something I did not utilize or have any knowledge of opening. They are fraudulent actts. And although I made a payment on them it was to keep these fraudulent a ccts from becoming delinquent and destroying my once good credit score but they were illegal and way beyond my means and. And I couldn't pay them untill the were taken off. Because I never opened them they still wanted me to pay it's so messed up
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86301
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This complaint is considering the company Lowe 's and Lowe 's Credit Card. Even though I paid everything in my balance, they made up a fake bill and when I refused to pay that, they charged me with a interest bill consisting of late fees. I will send you all of my billing statement copies. My last payment for Lowe 's is XX/XX/2022. The amount is {$38.00} and also they charged me a late fee {$29.00}. I called the Lowe 's and I made my payment on the phone and they refunded my late fee charge. My phone payment confirmation number is XXXX and my late fee refunding confirmation number is XXXX. After this phone call, next month they have made a fake bill of {$50.00} and after that every month they added {$2.00} interest charge and they keep asking me paying this fake bill. And I am complaining about Lowe 's Credit Card company about this matter. I will also send you all the billing statements they are sending me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Without a reason or cause, all 13 of my Synchrony accounts were closed. When I reached out to Synchrony all they said was based on information from your XXXX XXXX report. I pulled all 3 of my reports, all show my accounts synchrony and non synchrony in good standing, never late, never missed a payment. They have essentially crippled my credit score in the biggest financial crisis this country has ever seen. I am a XXXX veteran on a fixed income this is going to ruin my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/XXXX, I purchased a XXXX XXXX riding lawnmower from our local XXXX 's. I charged it on my XXXX 's ( SYNCHRONY ) credit card. They have a Promotion that if you spend more than {$2000.00} you can charge it at a fixed rate at a lower interest rate. I charged {$2900.00} fixed pay for 60 months. I recently looked on their website and it shows I still owe {$2100.00} that I've been paying for more than XXXX years. That's only {$850.00} towards a fixed loan. Something is fishy going on. I contacted XXXX 's XXXX and all I got was excuses. I'm not disputing what we owe XXXX 's because I don't know because you can't get all the statements from XXXX. Another fixed XXXX months in XXXX for {$2000.00} and the current balance is {$1100.00} so {$840.00} has gone toward that one. The first thing that gets paid when we get paid is our debts. XXXX 's is on Autopay. There is no excuse for this. A fixed loan is a fixed loan. Come XXXX if that Lawnmower is not paid off I will be taking legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 71913
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was to receive paper copies of the bill and never received - as it started going paperless- I did not want paperless statements. There were several times when attempting to make a payment that the system was down and I have a few records of this and would like to request information from the company when their payment system was down to demonstrate their culpability. Due to their errors and system glitches ; I was unable to make the payment. Life as a busy person, I inadvertently was not able to make the payment when intended and as it should be excepted for the consumer. I would like a record of the time their system has glitched which prohibits consumers from making payments. In addition to this, not having a hard copy of a bill with a very small balance resulted in back interest fees exceeding XXXX dollars when I thought the small balance was paid off on XX/XX/2022. This company has not taken responsibility for their errors in this and has created the consumer to bear the full responsibility for THEIR errors. This seems criminal and negligent on their part to create all these situations to cash in on unsuspecting consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I got an alert from XXXX that a hard inquiry occurred on my file from Synchrony bank. I called them to dispute it and they recommend that I also file a complaint with the FTC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A