Date Received: 2023-05-02
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: Synchrony bank, and LOWES corporate office has provided false information regarding state and federal complaints. They have provided the consumer federal protection bureau with false information in order to have an investigation closed out under false pretenses. They have claimed that they can not respond due to pre-litigation, or a lawsuit has been filed. This is completely false, and neither, LOWES, nor synchrony bank have been served with any documents from any attorney at this time, or at the time that they responded. They are lying, providing false information, in order to close out cases against them, as well as federal investigation LOWES and synchrony bank, continue to commit fraud, breach of contract, deceptive sales practices, and have used bait and switch tactics which has resulted in nearly {$9000.00} of financial loss for me. They continue to commit crimes against their own customers, and in this case, have refused to provide products and services that were purchased on my Lowes credit card. I have paid over {$3000.00} since XX/XX/XXXX and have received no products, service, and my home has been destroyed by this company. LOWES is refusing to cooperate in an insurance claim and has refused to repair the damages. Their claims adjuster, XXXX, XXXX, is refusing all communication and has refused to re-order products and provide service and Installation. XXXX, XXXX, and executive XXXX XXXX have escalated this issue to the point to where civil litigation will be necessary to resolve this matter.. In regards to the original sale of these products and services, that were to be provided by LOWES, their sales personnel at the XXXX XXXX store, used bait and switch tactics. I originally purchased a laminate flooring that was advertised as a display within their store. I made this purchase using my LOWES synchrony credit card. For several months, this product went without being ordered by the sales person and XXXX XXXX XXXX. Months afterwards I received word that the product that had been sold to me, and that was on display for sale was being discontinued at the beginning of the year. They refused to provide a product that I had purchased and that was paid for. I was told by the sales person identified as XXXXXXXX that I would have to pick out another laminate. She only directed me towards flooring that was of a higher price than the original product that I had purchased. At no time did she show me a product that was lower in price, or close to the same of what I had already paid she repeatedly used bait and switch tactics and use these unlawful tactics to persuade me to buy a product that was higher in price. LOWES has been sued for sales practices such as these in a class action lawsuit. Recently, they were ordered by the courts to pay customers {$1.00} XXXX in damages. Clearly, this company didnt learn a thing from the class action lawsuit, that they just lost, as they continue to conduct bait and switch tactics against their customers and commit fraud. I have a legal binding contract, reference my purchase of product service and Installation from LOWES. They refuse to honor this contract, provide services, and are refusing to even honor a warranty. Four months, I have had water damage in my home that they have refused to address. They have already admitted, fault, but refused to address and fix what they have damaged. I have thousands of dollars worth of damage in my home from an incompetent and unqualified installer. Adding to this, LOWES is not conducting proper background and criminal background checks on their employees and installers. The person that they hired to install my bait and switch flooring was completely on qualified, unlicensed, and was he convicted criminal. This man flooded my house on three separate occasions. This man has destroyed my house, making it unsafe. I have sustained physical injury from what this man has done and the defects reference installation in my home. LOWES associates and claims adjuster, XXXX XXXX even stated in a recorded phone call that this was the worst Installation hes ever seen and his XXXXXXXX XXXX could have done better. LOWES has destroyed my home. XXXX XXXX, should be terminated from his position due to his negligence and complete unprofessionalism and incompetence. He has not resolve this issue, nor attempted to resolve this issue properly. Rather, he has escalated matter to civil litigation. It has also been noted that XXXX XXXX is refusing to provide documentation that is relevant to this insurance claim. An adjuster from XXXX and company came to my home to assess the damage. A report was submitted on these damages. XXXX, XXXX, is refusing to provide these documents to me as they pertain to my home, this open claim and damages that occurred. XXXX XXXX is now refusing all communication. In a previous conversation, XXXX, XXXX was made aware that I am a retired law-enforcement officer. After making this known, I became aware that XXXX XXXX was no longer listening as I spoke with him, and I could hear him typing in the background. Hearing that he was typing a message to someone on his keyboard, I stated that I would let him go, since he was no longer Listening he responded by saying I was noting that you were a police officer. XXXX, XXXX clearly has some sort of personal issue, or vendetta against law enforcement officers. He has made that clear, his actions and words throughout this entire process.. At this time, they ( lowes ) are refusing to fix the damage, have not ordered, or provided replacement products, services, and they have refused to address the thousands of dollars of water damage caused by their negligent installer. LOWES has committed numerous Crimes, which includes bait and switch tactics, fraud, deceptive, sales practices, breach of contract, and gross negligence. I have retained an attorney to pursue LOWES and synchrony bank for the crimes that they have committed. As I have stated, I have already paid over {$3000.00} for products and services that were never rendered, and have a balance of {$5000.00} for products that will not be provided an installation that will not be conducted. This bank needs to void out any balance that remains and return the over {$3000.00} that I have paid. My home is destroyed because of this company and has sustained thousands of dollars in damage and water damage. They will be held liable in civil court for their crimes. I am demanding that my money be returned that I have paid on the balance of this credit card and the remaining balance of {$5000.00} be deleted. After this is processed, this account needs to be closed. I will be suing this company and will never give them my business again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 047XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made an electronic payment of {$220.00} to my PayPal MasterCard on XX/XX/23. The monies were removed from my checking account on XX/XX/23, but were not applied to my account. When I called to inquire as to why, I was told that because my account was ( 1 ) less than 6 months old, and ( 2 ) it was a " large payment amount '', that my payment would be on hold for 15 days to prevent fraud. Just to be clear, I have been a PayPal customer for more than 10 years and have never had any negative issues with my personal finances. No where in the credit agreement does it say that a hold will ever be placed on a payment. Nor would they specify what a " large payment '' is in relation to anything. I was also told that " no one had authorization to release my payment ahead of the 15 day waiting period ''. When I expressed my dissatisfaction and complained that I was given no notice of this arrangement, I was basically told there was nothing that would be done about it. I want to know in what universe a company can take my money through an electronic transfer and then refuse to apply it to my account. I also want to know why they would consider paying my balance to be an excessive payment. And finally, I would like to know why it takes 15 days to verify an obviously accepted electronic payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95207
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a digital letter from Lowes/Synchrony that my credit limit was being lowered to {$100.00}. Due to a XXXX credit score, Lack Of Real Estate Secured Loan Information, No Open Bankcards In Your Credit File, Balances On Accounts Too High Compared To Credit Limits And Loan Amounts, Delinquent Or Derogatory Status On Auto Accounts Is Too Recent. This is my true info : Total Accounts 34, 18 open accounts / 16 closed accounts. On-time payment history 100 %, 0 late payments, Excellent Rating. Derogatory marks 0, 0 collections / 0 public records, Excellent Rating. Credit card usage 13 %, Good Rating. Credit score over 750.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I used my Synchrony Accounts ( Value City and Synchrony Home/XXXX ) for three " no interest '' promotional purchases which ended in XX/XX/XXXX ( For Value City account XXXX in XXXX ) and XXXX XXXX XXXX ( For Synchrony Home/XXXX ). To avoid interest charges related to these promotional purchases, I sent payments via checks mailed by my online banking services to Synchrony Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in the amounts of {$390.00}, {$1000.00} and {$390.00}, respectively ; however, upon reviewing my records, these payments were not applied to my account- resulting in erroneous interest charges to my accounted. Pursuant to the permissible purpose provisions of the Fair Credit Reporting Act, I have respectfully request all interest charged to my account related to the two promotional purchases and update my account balance with all major credit reporting bureaus ; however, Synchrony Bank has been unresponsive and mentioned to me via phone call " the interest will not be refunded. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Snychrony Bank closed my Amazon Store Card without notice. I have a {$0.00} balance on the account, and my full email history of payments being scheduled and processed. I have received no notifications of any issues with payments, received no letter, have never missed a payment, and have been told my rewards balance of {$29.00} has been forfeited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11105
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: The Card Security Program at Synchrony bank card services is credit card issuer for PayPal Mastercard and also servicer to the account. I have paid for card security insurance protection for more than 10 years on this credit card account and filed a claim for XXXX that started in XX/XX/XXXX due to XXXX XXXX and related impacts it had in my well being. I became unable to do anything except go to walk-in emergency urgent care and hospital emergency room care to try to find diagnosis and treatment for the XXXX of which I was suffering extremely difficult life threatening symptoms. I filed my claim for XXXX multiple times between XXXX and XX/XX/XXXX after the forms were filled out by the XXXX XXXX original treating physicians. After seeing 5 different specialists doctors for a number of XXXX related ailments and complications my medical file is ripe with substance and proof of my condition. Therefore I followed all directions to file the XXXX claim which I was also unable to work at all but I only focused on the XXXX claim. I could have also claimed unemployment benefits related claims with Card Security however I was completely unable to work and conduct normal daily routines from XX/XX/XXXX until approximately XX/XX/XXXX. Card security had me send them the claims forms about a half dozen times over the course of the first 6 months of XXXX wherein their online system was offline and was not accepting nor processed any payments or claims for my valid XXXX and all I received from Card Security personnel was excuses and zero substantiated support for my claim. I have called and written Card Security many many times documented all interactions with them. Their response to me after taking nearly a year to tell me they have struggled to get the XXXX XXXX doctor or his office to respond to their inquiries is that my claim is invalid because the doctor office XXXX XXXX XXXX in XXXX XXXX FL where my treating XXXX XXXX XXXX XXXX worked as staff doctor and my date of XXXX is not valid. I have 5 treating doctors I have seen that all have reached the same conclusions and this is what I am left with. Being told by Card security personnel that my file is wrong and someone has not been contacted to prove that otherwise and that is nothing I can do about it. I filed a legitimate claim for legitimate reasons after paying for this service of card security for more than 10 years without a prior claim and I am told Im not entitled or eligible? This is fraud by card security and bias plus discrimination against my medical conditions and age. Plain and simple and all I want is what I have paid a lot of hard earned money for coverage of my health care claims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I received a letter from Synchrony Bank where they lowered my credit limit for the following four reasons : 1. Lack of Real Estate Secured Loan information. 2. Average time since accounts opened is too recent. 3. Average time since revolving accounts opened is too recent. 4. Too high proportion of accounts recently opened. This automatically affected my credit score. Regarding the four listed points, I have the following observations : 1. False. I have never had a real estate loan since the beginning of my credit history. 2. No more accounts have been opened since the beginning of the business relationship with Synchrony Bank. 3. See point 2. 4. See point 2. Additionally : a. I have always paid before the due date and have paid more money than requested. b. They can verify that the only change in my credit history was reported by Synchrony Bank, so this is what affected my credit score. Therefore, there was no reason for them to lower my credit limit. I am not interested in using credit with Synchrony at the moment, but for my personal and professional future, it is very important to take care of my credit score. They should have found a way to NOT affect my credit score. Right now, this will affect me drastically as I obtained a job where I will require financing and because of the lowered score, I may end up being affected. I hope you can resolve my problem as soon as possible. I have a family to feed. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Synchrony Bank issued a 1099C on XX/XX/XXXX in amount of {$2300.00}. On my credit file, they are listing balance as {$3800.00} as of XX/XX/XXXX. I requested they update the balance to {$0.00} since a 1099C was issued and needs to be filed with IRS but they are denying updating the info with all three credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23508
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Synchrony bank and citi bank and also XXXX XXXX offer credit to someone else using my social security number I have never had credit with these creditors and also XXXX XXXX and XXXX need to remove all negative inquiries off my report I did not authorize anyone to apply for credit in my name
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27886
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: event # 1 : In XXXX I made a payment that was " held '' for 2 weeks. I've never experienced that and they told me it was because it was a new account and wouldn't happen again. As a result I was unable to use the card and it created personal and financial problems as I missed other payments. evnet # 2 : I got declined using the card today ( XX/XX/XXXX ) because the payment I made on XX/XX/XXXX was " on hold ''. The credit line is $ XXXX, and I've made {$28000.00} worth of payments and right now the credit limit is {$1500.00} rather than the $ XXXX I was expecting. Spoke to an agent, elevated to supervisor and they told me tough luck they can " hold '' my payment up to 24 days, and there was nothing to do and that the earliest it would be released is XX/XX/XXXX. I'm financially damaged by all this I feel misled by the first person in XXXX that this wouldn't happen again and I would have changed card companies had I known because I've never experienced this in my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92672
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A