Date Received: 2023-04-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a pep boy 's credit card through synchrony bank. I was making payments on time through the app today when I logged in to try to make a payment through the app. I was greeted with a red! And told I need to contact online services in order to Service the account at which point I contacted customer service and was told they closed. The account and the only way I can make payments from this point forward is through the website or calling them which I have no way of doing every day. Closing my accounts lowering my credit limit with the company and hitting me with different interest all the same time. Sounds a little fishy but the bare minimum. I want to have access to be able to pay it through the app.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32506
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2023 I disputed this with XXXX requesting certain documents after 30 days waiting for the documents requested and under 15 US code 1692G they failed to provide me the documents I requested, but simply validated the information without providing me proper documentation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I filed a very valid dispute with Care Credit over a bogus charge a very unscrupulous dentist has attempted to stick me with an illegitimate bill. Had I not sought a 2nd opinion by an Ethical Dentist, I would have endured : 1 an unnecessary tooth extraction 2 several unnecessary fillings 3 a crown replacement by way of bridge which means more $ $ $ . This totals well over 10k, again all fabricated diagnoses. This same dentist wants me to pay for his in office dental plan after he cancelled me >just as soon as I requested my X-rays< that I wanted to share with another dentist. He canceled me ten days after purchasing his plan, and Care Credit continues to say I owe the bill. I must close this account down and file a lawsuit against synchrony bank because in my second report I made references to my recent negative experiences with THREE XXXX trying to show all Ive recently endured with horrible unethical dentists, then found out soon after submitting that letter, Synchrony Bank is based out of Utah, home of XXXX & the XXXX XXXX. I do believe Im being discriminated against, and theorizing is all I can do since they refuse to explain why theyre siding with a thieving, lying doctor. They purposely disconnect calls to discourage you from calling. They lock you out of your account but then exclusively send all related documents to that account. They REFUSE to call or even email directly. They make it impossible to file a dispute, at least in my experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97601
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
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: I was charged more than what I owe. The amount they charged me is XXXX dollars this month on my Paypal Mastercard credit card. My last month due was XXXX on XXXX XXXX. My payment of XXXX dollars was returned. They charged me return fees of XXXX but refunded it. However they billed me XXXX dollars this month. I have not used this card after XXXX XXXX so this billed amount is wrong. I tried to talk to PayPal but they are not helping me. Also they made some fake charges on my account for example XXXX dollars charge. They made this charge serval time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX I was delivered furniture from Ashley furniture the furniture was damaged and I told the gentleman that delivered it that I wanted them to take it back - they didnt speak English and I used a translation app on my phone in which they responded they were going to call XXXX that they dont work for them. They waited in the delivery truck for about 30-45 min then took off without telling me. XX/XX/XXXX I spoke to a representative I also waited 2 hours to speak to someone on the phone ) This was also during the pandemic in which I purchased this bedroom set over the phone and was dealing with a store manager - I never even received an itemized bill in which I requested numerous times ( attached I have correspondence between us via text ) 3 people were sent to my apartment to see if the furniture could be repaired but all of them said no that this was damaged and also put together incorrectly. They brought a replacement set and removed the one that was damaged but it was the wrong set therefore I told them to take the furniture back with them. I spent days, weeks to get in touch with someone from Ashley furniture to try to resolve this issue and the manger told me that this set seems to be having issues and he finally told me to stop reaching out to him and to reach out to the bank which was synchrony and dispute the purchase since now I was paying for furniture that I didnt even have. I had disputed this with them and they said that the merchant won the dispute. Fast forward I received a letter from a law firm on XXXX of XXXX trying to collect money for XXXX XXXX set/ the day I received the letter I called the attorney and explained the situation and I sent them all the correspondence I had and she called me back to tell me that they will be sending this back to synchrony bank and they didnt even understand why I was being held responsible. On XX/XX/XXXX they told me I needed to start yet another dispute with them. I spent hours on the phone and had to re explain everything which I didnt understand when I had already done so with my first dispute. Now its XX/XX/XXXX and I still havent heard back from them - I called numerous times to follow up and they said they were still working on it- but the most recent manager I spoke with asked me to explain what happened ( please keep in mind this was the 6th-7th time I had done this- I received a letter in the mail that they are reviewing the dispute then just recently received another letter stating they dont even know what this dispute is about and to please call to explain. I was beside myself considering this has been going on for close to 3 years - how do they not have notes in the system how are they now asking me to explain what happened and what my dispute is about after speaking to over 4 supervisors in the past 2 months who told me they would be expediting this since its ruining my credit tremendously and I am also being charged for something I never received in which they should be paying me back the few payments I did make. I have tried very hard to resolve this with syncrony bank and the fact that they sent me to a collection company and they attorney sent it back to the bank should show and tell them something.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11787
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
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: On XX/XX/2022 I purchased a spa cover from XXXX XXXX XXXX XXXX XXXX XXXX out of XXXX Florida. Over a span of several months I was finally able to get in touch with them in XXXX when the product had never arrived. They claimed the product even though advertised as fast shipment would now deliver in XXXX of the following year due to a shortage in foam. We demanded a refund and they claimed they refunded us on XX/XX/XXXX. We never received a refund for this item. We then reached out to synchrony through paypal in which we used to make the purchase and started a dispute. Synchrony has acted fraudulent on this matter. Over a period of several months Synchrony has claimed the shipper provided them documentation that the spa cover was delivered and that we signed. This never happened. I have tried multiple attempts and calls to Scyrony to keep fighting this matter and synchrony sent out a letter of what they claimed was proof that I requested of the delivery. The XXXX they sent me was completely blank. I have reached out on more attempts to get this documentation and they keep closing. Here is the catch... This company is being sued by Florida Attorney General for being fraudulent and stealing over XXXX from people and claiming they delivered their spa covers. Florida Attorney General started this lawsuit on XXXX of XXXX YET Synchrony STILL will not work with us on getting our money back and STILL has only sent us a blank XXXX no matter how many times I call or reach out on my dispute. They have now cut off communication with us on our dispute. We have been fighting and fighting to have XXXX $ refunded to our account for this fraudulent service and synchrony is not willing to help us. At this time " XXXX XXXX XXXX XXXX has been shut down due to their fraudulent activity. Please Please help us. We have an expensive spa without a cover and nothing can be done until we get our money back. XXXX XXXX , is the defendant being sued by XXXX XXXX of the Florida Attorney Generals office. Many Many other people have gone through the same issue as us and have made multiple attempts to reach out to which got this process started from Florida Attorney General yet none of us still don't have our refund and the company is shut down. On attachment below please ignore my message stating credit card number had changed. The account is all linked together and that doesn't matter. I wasn't thinking when sending that to customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77356
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: My dryer went out and I purchased a new XXXX washer/dryer pair from XXXX 's XXXX paying {$1000.00} down, and financing the rest through XXXX Synchrony XXXX XXXX 60 days same as cash. I appears I was set up for failure, but I kept my eye on the ball, or rather mailbox. When I hadn't received my bill by mail in the third week, I called. They had switched me to electronic billing with no notice. Luckily, I figured out how to pay by direct draft in time. If you miss a payment, they can add something like 22 % to your bill and demand payment in full. I was assured by customer service that my account would be switched back to paper billing. When I accessed their website, this had not been done. I was lied to. I later got an email that the bill had been sent on the XXXX, and there was a list of credit agencies. These people are nasty and deceptive. If you've had a lot of complaints about XXXX financing, you XXXX want to consider a class action lawsuit. I financed on or about XX/XX/XXXX. My account number is : XXXX. Their number is XXXX. I just want to make sure that my credit hasn't been affected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78382
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: PayPal locked my PayPal account and will not unlock it until I pay XXXX because they said I had a negative balance. In the meantime PayPal credit took XXXX out of my bank account and I cant get into my account to even change payment or anything. I feel as though I am being distorted out of money because Im not able to make any decisions on my account and they are making decisions without my knowledge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 387XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new account with synchrony bank. They accepted XXXX deposits totaling {$61000.00} ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX ) and then my account was marked " restricted '' and I was blocked from accessing these funds completely. On XX/XX/XXXX, I called to clear up the situation, and was told the restriction would be removed. After noticing that it was not removed I called back ( same day ) and was told it would tak 2-3 business days to resolve it. I waited 5 business days and contacted support via online chat. I was told it would still be 2-3 business days. I expressed my concern that this bank had accepted my funds and refused to allow me access to them, and was failing to follow through on their promise to resolve it in 2-3 business days, but they insisted there was nothing they could do but wait until it was relased by " the back office ''. This is unacceptable. I told them I would like to close my account and have the funds IMMEDIATELY transferred to my other bank, and they insisted that even if I close they account, they can't release the funds until the " back office '' removes the restriction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 957XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my JCPenney account ( managed by Synchrony Bank ). On XXXX, I mailed check # XXXX to JCPenney XXXX Synchrony Bank to pay off the balance however, on XXXX the check was deposited by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) to a Misc Deposits account, despite I have never had an account with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). After opening 4 disputes with JCPenney XXXX Synchrony Bank ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my JCPenney account, due to the check not being cashed by SYNCHRONY BANK but being cashed by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( Please see attached check for confirmation ). XXXX XXXX XXXX suggests, due to the deposit type ( a remote deposit ), additonal research should be conducted by both XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and JCPenney XXXX Synchrony Bank via pulling their remote deposits from XX/XX/2022 and confirming the check is on the Remote Deposits Report. To resolve this matter, I am requesting XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the time XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint. Thank you for your assistance in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A