Date Received: 2023-05-08
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 called after the merchandise was not received, they filed a dispute and never gave me a disclosure or any follow up. They refuse to let me talk to anyone in their dispute department and tell me I should have filed with PayPal instead of synchrony bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Credit card was closed around a year or two ago with a {$0.00} balance now account has been reactivated and has been reported as an open credit card to XXXX. I did not reactivate this. I want it closed permanently and removed from the 3 credit monitoring services. I tried calling their customer service and they could only tell me the account was closed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Visited a XXXX XXXX mattress store and was approved for a credit limit of {$8000.00} via Synchrony bank. After careful consideration, I decided against a XXXX XXXX product and visited a XXXX XXXX mattress to use my {$8000.00} synchrony credit only to be denied. I was encouraged to file an application for credit with Synchrony via XXXX XXXX only to have my credit denied! A week and a half after, I visit another mattress store Mattress Firm, again financed through Synchrony. I explained my dilemma and was asked to apply once more only to have my credit declined! It seems synchrony is applying consumer punishment for failing to purchase through their partner at XXXX XXXX. I am also yet to receive their reason for their continued denial. Is this not a violation of the Fair Credit Act? Please advise. A very disappointed Synchrony customer, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92545
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Sent this letter to Paypal Credit on XX/XX/XXXX with no response from the company. XXXX XXXX President / Chief Executive Officer Synchrony Bank XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX RE : Conditional Acceptance of Payment Claim Lowes Advantage Card ending in XXXX PayPal Credit Account XXXX in XXXX Dear XXXX XXXX, I am writing in response to your correspondence dated XXXX the XXXX, XXXX in which you claim that I am obliged to make a payment to Synchrony Bank for services and / or goods provided. I appreciate your attention to this matter and am willing to consider the claim on a conditional basis, subject to the fulfillment of the following conditions : Signed Contract : Please furnish a copy of the signed contract bearing my wet ink signature. This contract must clearly outline the terms and conditions agreed upon by both parties and demonstrate that I have willingly entered into an agreement with Synchrony Bank for the provision of services and / or goods. Itemized List of Services and / or Goods : Please provide a detailed and itemized list of the services and / or goods that you claim Synchrony Bank has provided to me which warrants the payment. This list should include a comprehensive description of each service and / or good, the associated cost, and any relevant dates or time frames. Upon receipt of the requested documentation, I will thoroughly review the provided information to determine the validity of you claim. If your claim is found to be legitimate, I will take the necessary steps to ensure prompt payment in accordance with the agreed-upon terms. Please submit the requested information within 10 business day of receipt of this letter. If I do not receive the required documentation within this time frame, I will assume that you are unable to fulfill these conditions and your claim will be considered null and void. Further, note that that the requesting payment devoid of a contract may be considered racketeering. If you have any questions or concerns regarding this matter, please do not hesitate to contact me using the address above. Thank you for your cooperation, and I look forward to resolving this matter in a timely and amicable manner. Sincerely, Then I received an on-line correspondence thru my email from them saying something about them looking for a missing payment. Then the next day the account was credited for the total amount due of {$1400.00}. Now the amount is back on my account as a current balance due and my card has been frozen which is an interference in commerce.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: A balance of {$210.00} was paid on or around XX/XX/2022. The balance is still on the account after countless phone calls and emails. I mailed a dispute acknowledgement form when I called about the status they said it was closed ( I was never notified ) and it was double credited and I still owe the {$210.00} plus interest and late fee. I never received a refund for the {$210.00} and if I pay it again I'll be paying it twice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06405
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
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: Hello Last year 2022 I requested program to be developed on upwork by a freelancer on there platform which started working and charging me for it mean while all I was receiving where codes screen shots from upwork On XX/XX/2022 I received a email from upwork informing me the the XXXX was under investigation for fraudulent activity but that I had nothing to worry about since he could not withdraw the funds from His account On XX/XX/2022 I received another email telling me that my contract had been successfully completed and that the XXXX was being band from upwork and his account closed to which I replied by telling them that I had not closed the contract and had not received the work that I had already paid more then XXXX for I have since started multiple disputes with everyone involved from which I have been able to recuperate most of my money The remaining balance is for XXXX from synchrony bank credit card which I have disputed more then 3 times and they keep siding with upwork all of them knowing that I got charged for something I never received they are all robbing me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX by synchrony bank has been reporting a debt which belongs to a deceased relative and that was opened by a deceased relative that resides in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. This information is reporting inaccurate on my XXXX and XXXX credit report as bad debt and bad address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: My name is XXXX XXXX and this my 4th complaint against XXXX associates this is not a duplicate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was went to XXXX website and saw announcement that a CFPB Order thatrequiresXXXX LLCtoproviderefundstotalingapproximately $ 15milliontoimpactedconsumers. CFPB Order which I would like to submit to XXXX XXXX. I was REQUESTING CFPB EMAIL to CC my email " CFPB Order Application for XXXX XXXX ''. However now I am attaching my Application as a Complaint. I received false statements from the above XXXX starting in XX/XX/XXXX as they tried to collect a debt I had already paid in XX/XX/XXXX and refused to acknowledge payment in full I had already sent them stating the account had gone into collections in XXXX when really it had in XXXX. False statement were fabricated for XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87144
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Synchrony Bank, the issuer of Sam 's Club credit cards, has a rewards cash back program for using their card. We receive monthly cash back for using the card on/or around the XXXX of each month, according to Synchrony, and reviewing our past transactions. In XX/XX/2023, Synchrony is stating that {$41.00} was rewarded to us. I review records, and see that we are supposed to receive the amount of {$41.00}, but the funds have never shown up in our account. Somewhere between issuance, and delivery of the funds the money goes missing. After several attempts with Synchrony, including talking to management to resolve the issue, I receive letters stating that rewards have been distributed. We don't know where the rewards were sent, but they are not reflected in our account for XX/XX/2023. We are requesting we receive the rewards we are due per the agreement for using the credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A