Date Received: 2023-03-24
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 made a purchase from the Lowes XXXX store. The clerk told me if I signed up for a Lowes credit card I would receive and additional 10 % discount. The clerk had a great deal of problems getting me signed up for the account. I pulled out my XXXX card and swipe it thinking the charge was being placed on my XXXX card. The charge was actually on the Lowes account. I found this out after reviewing my XXXX charges. I called Synchrony bank and they reversed the charge pending a review. In the mean time I discover my error and called them back informing them that the charge was mine. They placed the amount back on my account. I then paid the amount due on line. They stated they could not find the payment. So I sent them a copy of my bank statement which they did not accept. After numerous phone calls and support faxed to them they still as of this date have not resolved the issue. They lost the item I returned for credit, I supplied them with a letter from XXXX XXXX XXXX stating the monies did come out of my account, it went to Synchrony for the net amount of the purchase. As of today Synchrony still show the incorrect amount ( {$690.00} ), they can not locate the payment ( even though my bank assures me the information they supplied is enough information to trace the payment as they gave me Synchrony bank reference number ). In Synchrony documentation they state they will accept a letter from the bank. I do not work for them and I can not control their accounting department. I have supplied the support they asked for to resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95969
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive had my identity stolen and the people who had my information tried to open this account. Now it is a hard inquiry on my credit and I need it removed. I never applied for this and I called all credit bureaus to freeze all of my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been a loyal customer for many years. I have always paid my bill right on time. Ive never maxed out my credit card. I have good credit overall. The first and only time that Ive ever had a problem with my Lowes credit card. Im getting the runaround. I got a bill. They told me I old money considering we knew that we had not use the card in recent months. We knew that we didnt know anything. We logged on, and sure enough there were charges that were made in another state that was close to 1000 miles away from us. We dont know who made the charges we did not benefit from the charges we didnt get permission to anybody to make the charges this completely caught us by surprise. Very stressed and worried we called the bank. We are told. Dont worry. We will take care of this. You reassured us that we are not liable for fraudulent charges. That put my mind at rest I thought OK the bank is going to take care of it. This is why weve been so loyal to Lowes for all these years. After months have gone by, all the sudden we owe a balance again at first we thought it had happened again. But now its the fraudulent charges that have been added back to our account and I have no idea why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have had 3 accounts with MySynchrony. Two of them I paid off entirely and paid at least double the credit for both of them, around {$2000.00} each. The third was a Synchrony Credit card, which I made several payments to, but could not keep up with, especially with the interest accrual. Synchrony forwarded the debt to a debt collector, which erroneously filed a lawsuit against me in New York, serving the lawsuit to my parents house in XXXX, NY. I informed Synchrony and the credit collection agency that I have not lived in New York for several years. Synchrony said when the account was returned to them, they would contact me about settling the debt. This was in XX/XX/XXXX. This month, XX/XX/XXXX, I received notices in the mail from debt relief agencies that I have had a lawsuit filed against me by MySynchrony for this debt in Florida. I never received any lawsuit, even though I provided MySynchrony with my current address in my correspondence with them in XX/XX/XXXX. I also followed up via email with XXXX, from the company 's Office of the President who I had spoken with by phone and email and she never replied after I had spoken to the credit collection agency in NY. I have made efforts to directly negotiate a settlement with MySynchrony, instead they've ignored me and had a collections agency file a lawsuit that I never received, and have only been informed of because my current address was somehow provided to debt relief companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32606
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2023, I made a payment of {$1100.00} towards my CareCredit card. This amount was made towards a promotional balance ending on XX/XX/2023. I have had various promotional balances paid off and CareCredit always put my payments towards those balances. Until this time. Instead of applying the VERY large payment towards the promotional balance, they applied it to the revolving balance on the card. I called to get the issue addressed and pointed out that they never handled my payments like this before, and because it has been over 60 days they are refusing to correct the application of the payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 610XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt collector has not provided notice of when the original debt occurred and submitted collection as of XX/XX/2020. I still do not recognize this debt from any prior purchases. This debt collector has sent invoice documents that I do not recognize since I never made any purchases through Paypal-Synchrony ( original debtor ). This collection notice needs to be removed from my credit report. I did not recognize this debt and don't understand how it was even opened for collections in XXXXXXXX XXXX so it can be related to identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: At my direction, XXXX XXXX electronically sent Synchrony Bank/Amazon {$12000.00} to pay my charge card bill which was for only {$1200.00}. Thus, the payment included an overpayment in the amount of {$11000.00}. This payment which was due on XX/XX/XXXX was received by Synchrony on XX/XX/XXXX On XX/XX/XXXX, when I first became aware of this overpayment a representative from XXXX XXXX and I contacted Synchrony ( XXXX XXXX ) and asked that they electronically deposit the overpayment back to XXXX XXXX XXXX checking account, where the funds had originated. Synchrony informed us that could not do that but that would within the next 30 days send me a check for {$11000.00}. On XX/XX/2023, not having received the check, I contacted Synchrony. I was informed that they did not send me a check because they needed written authorization from XXXX XXXX to do so. However, after speaking to a Synchrony supervisor I was told that she would request their accounting department to send me the overpayment on an expedited basis, and that I should receive the check by XX/XX/XXXX. On XX/XX/XXXX, not having received the check I contacted Synchrony and was informed that the check had not been mailed but that it would be sent and that I would get it within the next XXXX to XXXX days. I was informed that the check had not been sent because receipt and clearance of my payment needed to be verified. A supervisor whom I was transferred to then told me that the check had in fact been sent on XX/XX/XXXX, and that I should receive it by no later XX/XX/XXXX. On XX/XX/XXXX, not having received my reimbursement I again contacted Synchrony. I was informed that a check in the amount, {$10000.00} had been sent on XX/XX/XXXX, and that it would take seven to days for me to receive it. I was informed that the check had not been sent sooner because I had not requested a refund until XX/XX/XXXX. On XX/XX/XXXX, I also sent Synchrony a written request for a refund asking that they send me a refund within seven days of receipt of the written request
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I applied for care credit through synchrony Bank. My credit score then was lower than it is now. With all of the same reports on my credit. I was approved for {$1100.00} credit line. I have been paying more than minimum each month. Now that I paid it down to less than 60 % credit usage. All of a sudden they dropped my credit limit to show that I am back at almost max credit limit. Their excuse is that they found all of the same stuff that was already there to begin with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76135
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023 I went to the XXXX store in XXXX FL and made a purchased for {$1600.00}. I was given an extra discount for being a XXXX XXXX Customer and the total purchase was more than {$1500.00}. While walking out we noticed they had charged a 5 gallon paint at regular price when it was marked down. We returned and they apologised, refunded the item and re-do the purchase at the discounted price. Two days later, on XX/XX/XXXX, I received a notification from XXXX about a charge. I called the store to ask what is was about it, they said they didn't know and that I should call synchrony bank to find out. I called Synchrony credit services and they didn't know what the charge was either but went ahead and canceled my credit card and issued a new one. At that moment I lost access to all my transaction history. Four hours later I called the store and cancelled the items I had purchased ( they were appliances and had not been delivered ). When the transaction was canceled, they told me the " mystery '' charge disappeared from their system, proving that it was related to that purchased. Few days later, Synchrony had not issued the refund for the cancelled appliances. I called them several times and they said they had to investigate the matter. I went to the XXXX store and brought my paper receipt. They called Synchrony bank and sent them the receipt. At the same time they showed me a transfer balance they were doing to my new account. I told them I had made that payment on XX/XX/XXXX. Then they said it would take few days to update on the new account. From XX/XX/XXXX that Synchrony cancelled my credit card, they didn't give me any access to my transaction history. Just today, I found out, they posted a {$690.00} balance transfer form my previous card. I called them I told them that was an error and mentioned the payment done on XX/XX/XXXX. They said they couldn't do anything about it but send me the statements and I could then dispute it. Payments I made : XX/XX/2023 paid {$2300.00} ( They said that was the full amount owed ) Purchased after that. This information was provided by phone today by one of Synchrony credit services account manager. XX/XX/XXXX : {$37.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$13.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$240.00} XX/XX/XXXX : Paid {$710.00} All purchases done after XX/XX/XXXX were with the new card and are correct but the balance transfer of {$690.00} from my previous card is incorrect. My payment of {$710.00} posted the same day they close my account and their system marked it as balance when I actually paid it off. The cancelled credit card that the balance was transferred from last 4 digits are : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32159
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In XXXX of XXXX my daughter graduated from high school. At that time I lost child support decreasing my income. It took me until XXXX of XXXX to find a second job. While I was looking for work I had to use my credit cards quite a bit in order to keep all my bills and high electric bills covered. I did not miss any payments at all but it made my usage go up quite a bit. Since then 4 of my credit cards have taken away my credit limits causing my credit score to fall ALOT..!! Is this LEGAL even though I have not missed a single payment in 12 years?? My XXXX cards cut both my limits 2 times. My Synchrony cards cut both my limits on my two cards and today I got a notice that my XXXX card cut my limit. How can this be legal if I HAVE NOT MISSED any payments or defaulted on these loans ...?? The Govt. increases interest rates and the power companies increase electric rates of course people will need to use there cards..!!!! Since I got a job in XXXX. I havent needed to use them but my score has been destroyed because of what your agency is reporting. Again I ask ... .is this legal..? Or should I just find a lawyer and take action that way. Why am I being punished for using my cards when I have NO missed or late payments..?? Also what type of lawyer should I hire for something like this??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A