Date Received: 2023-04-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I contacted XXXX and Synchrony Bank/Care Credit because on my credit report Im showed as an authorized user on XXXX with a balance that is showing at XXXX %. I dont have said account. I have contacted them numerous times. Care Credit says they have no record with the account attached to my name. That they are happy to clear it up with XXXX immediately. I need this to deleted off my report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
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 complaint is actually about deceptive practices of Lowes home improvement stores. Unfair and Deceptive Practices Act issue. I cancelled an order that was originally charge to the Lowes credit card and I just wanted a full refund. Which IS WHAT THERE POLICY SPELLS out for major appliance purchases. the following email is what I send to " XXXX '' today. I ordered a washer and dryer on XX/XX/XXXX from the XXXX XXXX XXXX store for delivery the next day. I tried to pay with a check from XXXX XXXX with my name on the check and address ( the check was a an interest free balance transfer type check ). No one at the customer service desk knew how to process the check. A friend who was visiting offered to let me charge it to her Lowes cc which she didn't have with her but they looked in up. it was actually my ex wife and weve done this before with her Lowes card. Next day both washer and dryer come for delivery and both appliances were damaged. The washer has a leg broken off and the dryer has some significant dents. The odd thing is how two guys did not see any of the damage while they were still inside the truck. I refused both appliances. So I called Lowes and said are you sending new appliances? but by Monday morning I decided the delivery was too fishy and I didn't believe that Lowes could send out TWO damaged appliances. I have ordered approximately 15 major appliances in my life and NEVER did i receive a damaged item. So I cancelled the order online at about XXXX XXXX and got an email that said you order was successfully cancelled. The credit card will not be charged for canceled items. this was well within 48 hours ( actually Sunday didn't even count cause it was XXXX ). Now I called the XXXX customer service number and they said well merchandise credit cards were mailed to me and there is nothing they can do. Then I called the store and they said merchandise credit were mailed to me and there is nothing they can do. Why did the email say the Lowes credit card would not be charged???? On Tuesday XX/XX/XXXX i went to the store and the assistant managed XXXX said well we cant do anything. I said thats not Lowes written policy and thats not what the Lowes cancellation email stated. it gets worse. because these replacement store credit cards value also shorted me by {$100.00} compared to the original charge. I called the store back and XXXX effectively hung up on me by transferring me to the fulfillment center. i was so frustrated I drove back to the store the same day and walked into the Store managers office. XXXX is his name. he had no solution for me. I was told that they needed the original lowes credit card to refund the value on the replacement cards. but that was with my former spouse on the other side of the state. Either way it was NOT Lowes written return policy for major appliances. Im skipping some details now but I talked to 3 asst managers after i got the replacement cards. Remember XXXX already hung up on me. and this guy XXXX was absolutely obnoxious and did not concede that Lowes was doing this replacement credit thing which DID NOT FOLLOW lowes own return policies for major appliances. so this week I called the XXXX number 3 times and they tried to escalate with the fulfillment center and I got them to transfer me to that center ( the place XXXX tried to transfer me too ). I talked to XXXX and then she transferred me to XXXX and XXXX said well heres why we do this cancel and rebill thing. He said I could take the replacement credit and get it refunded in cash or used as a credit to other credit cards I owned. im thinking XXXX is XXXX XXXX. So i drove back to the store after todays call and the store said XXXX is nobody and NO i can not transfer the value to another credit card. NONE of this mystery is documented anywhere in Lowes website, or explained by store personnel or by the cancellation email that said cancelled items will not be charged to your credit card. Basically EVERYONE lied to me at lowes. The store manager XXXX, XXXX and XXXX asst managers, the fulfillment center, and the people on the XXXX customer care number. I shopped at XXXX XXXX a LOT for multiple decades and this nonsense would never have happened at all. All of the lowes employees keep pointing fingers elsewhere and keep trying to GET ME to talk to someone else. This has been going on since XX/XX/XXXX. I worked in banking and actually used to work for Synchrony and I could not believe how dysfunctional Lowes is, in this case. HD would have called XXXX while I was standing there and refunded money after i canceled the order after I went to the store to complain about mysterious replacement credit mailed to me. Once this is cleared up I WILL NEVER enter a Lowes store again. Sincerely, XXXX XXXX p.s. I worked in XXXX XXXX for 40 years at large banks/ synchrony and was an XXXX for 20 years. this kind of nonsense are some of the things i used to blow up because the processes and people and CULTURE were seriously flawed. Well now I know Lowes culture is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
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/2023, I submitted a payment for the statement balance to my XXXX XXXX XXXX on Synchrony 's website. The payment deducted successfully and the balance reflected a {$0.00} balance. On XX/XX/2023, I woke up to a second payment for the same amount deducted from my checking account. After further investigation, Synchrony submitted the payment a second time even though the balance reflected a {$0.00} balance. The amount taken in both cases is {$390.00}. Only the payment on XX/XX/2023 is valid. After an hour of fighting through customer service and arguing, the only resolution provided is to " contact my bank if I have a problem ''. They claim to not see this payment anywhere in their system in spite of it not only showing up in my Synchrony account transaction list, but with providing confirmation numbers. The confirmation numbers for the XX/XX/2023 transaction do not match those of XX/XX/2023 transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have never filed for a credit card with any of these companies. Currently going through a fraud situation and working with an attorney to clear up all of these matters
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( SYNCB/PPC/Account # XXXX ) has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 228XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Synchrony bank has lowered my credit limit on 2 accounts that I have with them. They removed one account from my credit report. These adverse actions have greatly affected my credit score. While, I did receive a notice, the information on the notice is entirely incorrect. The information they say they based their decision on are erroneous. My on time payments are at 100 %. The 3 derogatory or delinquent accounts are >3 years old. Soo they have been and were there when initially approved for both cards. As Ive come to learn, this is a regular practice for this company, which has affected very many people. I would like my initial lines of credit restored to their original limits and I would like this reported to all credit bureaus. Hopefully this will mitigate some of the damage they have caused. I implore anyone to research this company. There a very many complaints regarding this companys practices and how they have affected people without any thought of the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45238
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am an immigrant that speaks XXXX. I am not fluent in English. In XX/XX/2020, I had XXXX to remove XXXX from my XXXX XXXX. My deceased husband, a United States citizen, created a credit obligation that I was unaware that he created. Then in XX/XX/2020, XXXXXXXX XXXX XXXX was performed on the XXXX XXXX. Again, my husband created a credit obligation that I was unaware of. My husband set up payments to be deducted from my account. Again, I was not aware of the arrangement made with Care Credit ( Sychrony Bank ). There supposedly was a promotion attached to the arrangement. No interest would be charged if the account was paid in full by a certain date. I was not aware of this arrangement. The first XXXX was paid down to {$130.00} on XX/XX/2020. This was during the period that my husband was XXXX, so he was unable to communicate in a lucid manner with me, his wife. The following XXXX, the bill owed to Sychrony Bank went from {$2800.00} to {$5700.00}. Since my husband told me that the bill had been paid to the XXXX XXXX I was shocked at the added amount. All of the interest, including on the amount that I had already paid, was added to my bill. Attempts have been made to resolve the claim, but I was told that I would have to allow my account to go delinquent before Sychrony Bank could work out a settlement. Subsequent attempts have been made to settle but I was hung up on after being on the phone holding for over an hour. That was an attempt to run up a legal fee as I was in my attorney 's office for the telephone call. Several calls were attempted while at the attorney 's office, with each call, I was bounced from one agent to another with each saying the other could help deal with this issue. The company has all the documents that I would upload.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74112
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Last year Synchrony closed my XXXX card stating I was high risk. Then I applied for a new one the same week and they approved me for a new card. I have been using this new card without issue, making all payments on time, again. Last month I was even approved for a subprime used car loan with another bank because I am a reliable payer. Of course, one year later, again, Synchrony did the same exact thing, closed my card for no issue. They do this every year to thousands of people who are current through their arbitrary and flawed system. Using credit scores that aren't even accurate. I had to have my XXXX pulled for the car loan and I was at XXXX. Synchrony claims through their website that I am at a XXXX and uses this as part of their reason for closing an account. They continue to do this to thousands of us, hurting our credit in the process for no other reason than they can not properly manage their business and then panic when the economy isn't sluggish and they have a lot of bad debt on the books. Their response to being bad stewards of credit is to act in bad faith. They harm the credit of people in an already tumultuous economy based on nothing but supposition. They have zero credible reason to close my account. The payments come in for them and every one of my other accounts every month with zero late payments or bounced payments. Like others in this world I rely a lot on credit to make purchases for my business and home and my credit usage routinely goes up and down as I make large payments as payments owed to me come in chunks. However, it has never affected my ability to make at least the minimum. I don't even want an account with this XXXX bank anymore. I am sad that XXXX won't dump this clown institution and go with XXXX XXXX, XXXX, or XXXX like other stores that have responsible partners. My XXXX card is never closed annually on a whim, nor is my XXXX card, nor is my XXXX XXXX card. None of them do I have to do this rodeo with every year. Fortunately, this was my last card with this predatory bank. I just intend to run a website shedding light on these horrid business practices and continue to pressure their partners to move on. I have already been in contact with upper management at XXXX to let them know that Synchrony has lost them yet another longtime customer. To those reading this report, do NOT get a card with this bank, not even an XXXX card. I know you want access to that credit, but it isn't worth it, a credit card offered from a reputable bank will work out so much better, even if you do have to pay a little interest. Get a secured before entrusting your credit with these clowns. You can not build any credit or repair any credit with a bank that just decides to drop limits or close your account every year because they made bad business decisions and investments. Any bump to your credit will just be negated and then some, one year later, when they close your account. Synchrony bank is a predatory menace and it is time the government stops paying lip service to XXXX XXXX and take down this bank. I guess I have to start the campaign to lobby our elected officials and let them know we won't vote for anyone who does anything for this bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02893
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I paid {$7500.00} for dental work XXXX with my Carecredit card and was given XXXX years deffered interest. I was told as long as I paid my monthly payments I would be able to avoid the interest. I was under the impresion that my monthly payments would automatically go towards my deffered interest purchses to avoid interest. I feel like the company purposefully put my payments toward non deffered purchases so they could charge me the interest for my deferred ones. The interest they charged was {$4700.00} and my account is now overdrawn by {$3100.00}. I called to ask why my payments were not going toward my deffered purchases and was informed I would have had to call and specifically ask for that, which is sketchy. I aksed if there was anything I could do and was informed that if I paid the remaining balance of {$5900.00} by XX/XX/XXXX they would remove that {$4700.00} interest charge, however this is not possible. I called back again and asked if any of my previous payments could go towards this purchase and was informed only one could because it had to be within the last 60 days. Which only brought it down to {$5700.00}. I find it extremely unfair that I was not notified my payments would not go towards this deferred purchase. In fact, I was told by the dental office that as long as I made my monthly payments I would be in the clear.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
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 started receiving emails that a purchase was made using my JcPenney card. I immediately called and was told there was nothing they could do while they were pending. I was then transferred to fraud and they closed the card and said they would check the transactions once they posted. I ended up receiving a letter a few weeks later that said they were just authorizations but nothing posted which was incorrect. Once of the pending transactions ended of posting for {$54.00}. I then called back on or around XX/XX/XXXX to asked about the transaction. The offshore fraud agent I spoke to told me I was wrong and that I did the transaction and there was nothing fraud. He told me the amount owed had just been transferred from another closed card with JcPenney. I continued to explain to him what happened and that I wanted the dispute reopened or I wanted to file a dispute on the {$54.00}. He kept trying to transfer me to customer service and I told him there was no point and that I wanted to file a fraud dispute. He mumbled something and told me fine he would close the card. He did whatever he did in their system and told me it was filed. On XX/XX/XXXX I received a letter stating they closed my card, issued a new one, temporarily credited the disputed amount ( they never provided any provisional credit at all ), and notified major credit bureaus ( which they did not do either ). I waited until XX/XX/XXXX and reached out via message on their website to inquire about the case and said my next step was to file a complaint. Instead of helping me they just forwarded my case to the office of the president or their corporate office. 10 days later, XX/XX/XXXX, I received a call from someone named XXXX XXXX who said she was handling my case. She told me she had all the info and was going to get it taken care of. I asked about the charge and it making the account past due and credit. She said once it was completed, they would take care of all that. I have not heard a word back since that call. On XX/XX/XXXX, I called XXXX XXXX at the number she provided to me which is XXXX XXXX. I left a message asking for an update. As of today, XX/XX/XXXX I have not gotten a response. Due to the carelessness of the previous agents that I spoke to and now by XXXX XXXX, my account is showing past due 60 days, was reported to all 3 credit bureaus as past due and dropped my credit score over XXXX points. This negligence is unacceptable. They never followed through with one thing they were going to do and have now caused problems with my livelihood, my finances and my reputation. This card did not have a balance other than the fraudulent charge and had they provided provisional credit as stated, this would have never shown past due and would have never been reported to credit bureaus. On the message I left for XXXX XXXX, I asked that all fees on the account be reversed immediately, provisional credit be issued and all notifications to credit bureaus be rescinded immediately. None of this has been done. I want this charge reversed, all negatives sent to credit bureaus removed immediately and the card closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A