Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The company is Synchrony Bank/Venmo . For months the bank has not reported that I paid this account off. When contacted, they said they held on to the payment without posting it because they do that when there is more than one payment in a period. What is the reason for that? I told them what a hassle they have caused because on a {$300.00} credit limit, a {$290.00} outstanding balance ( false balance ) shows on XXXX that my one credit line is 95 % utilized, thus a negative! A huge negative for someone who needs assistance on her credit score. I asked the company to re-run it or report the accurate information. They did not. Another month has gone by. Now I have to wait 24 days for the inaccurate information to be taken off the XXXX report. I need this company to understand they ruin lives, they dont help lives. Inaccurate reporting hurts consumers and they are not compelled to report accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I made a {$1000.00} online payment to the XXXX XXXX XXXX Funds are not credited to the account yet. I received the following answer when I complained online : Normally payments and transactions take 48-72 hours to post. However a payment may take longer to reflect in your available credit due to : Previous Returned Checks Payments on new accounts Amount of Payment I expect the bank to credit my account as soon as it receives the funds. That is my experience with my other accounts at XXXX XXXX and XXXX credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: So, I owe money and I have my phone settings to have callers I dont know go straight to voice mail Everyday I get multiple calls from different numbers. I have not contacted them about it. For example, on XXXX XXXX I received three phone calls with two hours. One phone number was XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX The day prior to that day I received these calls XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX Every time Ive picked up theyve been looking for me and they always say theyre a debt collector calling about the debt I owe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
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 contacted XXXX XXXX, Synchrony Bank, XXXX, to raise concerns that the online record of my Care Credit account was inaccurate. On that same day when I accessed my account online, I noted 2 duplicate transactions listed as *both* pending and completed in my account records. See attachment. She acknowledged that there are lags in removing a pending transaction after it is completed. She added that " nothing can be done '' as records are systematically updated by a computer. I noted that online financial records ( or any record for that matter ) need to be accurate as inaccuracy causes confusion. Further as an account holder, I had never encountered this problem until this year, 2023. So a recent change is causing this problem and it needs to be corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
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: Complaint Description : In XXXX of XXXX, my wife and I went to the XXXX XXXX XXXX in XXXX Ohio listed in above address. I suffer from a XXXX XXXX condition and my wife has a XXXX on the foot. Both conditions produce foot pain. On XX/XX/XXXX, I and my wife were evaluated by the male staff person. He said that XXXX XXXX was a Medicare provider, and that he was going to diagnose my wife and my foot condition. He informed us that Medicare 80 % of costs, and our XXXX XXXX XXXX would cover the remaining costs. Next, the XXXX staff person said he would diagnose our feet to determine the our condition and prescribe orthodics that would address our respective foot conditions. Based on XXXX staff persons diagnosis, he prescribed orthotic inserts for my wife XXXX XXXX and myself : The staff person that waited on us examined our feet and diagnosed the need for the following inserts : Model numbers XXXX, XXXX, XXXX. XXXX XXXX representative informed us that Medicare and XXXX XXXX XXXX XXXX XXXX would cover 80 % of costs ( {$1500.00} ) for Claim. Our portion would be {$380.00}. XXXX podiatrist said that the Care Credit Card would cover the {$380.00} expense for both my wife and I. XXXX XXXX instructed us to wear the three inserts, the most extreme for as long as tolerated, then wear the next level insert as tolerated, and then wear the lest rigid and less painful the rest of the time. After wearing the inserts for ten days, and our foot condition became more painful. I called XXXX and spoke with a woman on named XXXX. I told her the XXXX XXXX prescribed our inserts orthodics but the pain of wearing the three different inserts as instructed had made our foot pain worse for my wife and I. I requested a refund. The staff person, XXXX, said we could not get a refund because they were expressly designed for our respective foot conditions. On XX/XX/XXXX, since we had 60 days to dispute charges for these unacceptable goods, we requested Synchrony Bank to cancel this order Immediately and stop billing us. According to Federal Law, Synchrony Bank is required too investigate and cease payment until this fraud is resolved. Synchrony Bank never investigated our dispute for these fraudulent shoe inserts. On XX/XX/XXXX, Synchrony Bank 's attorney issued a Summons in Civil Action from XXXX XXXX XXXX XXXX, XXXX, Ohio Case # XXXXXXXX XXXX XXXX XXXXXXXX. Synchrony Bank is requesting we pay $ XXXX That we are required to serve upon the Plaintiff 's Attorney, or upon the Plaintiff, if he has no attorney and the court, and answer within 28 days ( By XX/XX/XXXX ). Please help. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45371
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: my problem with Synchrony. I was offered this card at XXXX XXXX XXXX for a computer purchased in XX/XX/XXXX. I set up automated payments and till XX/XX/XXXX saw my balance go down to {$570.00}. I was told at purchase that payments are 0 % rate. Last night I saw my balance jumped to {$2200.00}. comprised of the {$570.00} and the rest is an accumulated interest rate of 29.99 %. Apparently, I did not know, I had a deferred rate of XXXX and I was supposed to pay balance off in end of XX/XX/XXXX. Only the bottom of the digital statement that I hardly ever open vaguely explain something. I never received a letter, or a warning. I was under the impression I was almost down with the loan. I have a high credit score and am always paying on time. had I known I would have paid this balance a long time ago. It was never explained to me. I would never do this to my limited income and knowingly add such a debt! I paid {$400.00} last night and the XXXX and XXXX and XXXX monthly payments so that balance is now {$2000.00}. In total I already paid for the computer and some of the accumulated interest. I called and spoke to 3 managers and none offered a solution. They all say they can not do anything, that these are the terms. I refuse to believe that this predatory rate is even possible and that I owe again thousands of dollars. I am requesting a human fair solution that understands my situation. Not a robotic one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90065
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: My synchrony home account ending in XXXX was closed on XX/XX/ bringing my credit score down. My account was current and I did not have a payment scheduled until next month ( XX/XX/2023 ). On XX/XX/XXXX I had a payment scheduled to be taken out of my bank account for XXXX which is over the monthly minimum payment. Due to a clerical error on my part, my payment was rejected. I immediately contacted the customer service department through chat support on their official website to notify them that the payment would not clear and I also rescheduled the payment to be resubmitted for the same day. I also asked the agent if the account would be closed and if she could help me to prevent any additional fees on the account she reassured me that everything would be fine and she would note all of this information and if and when the return payment fee was posted to contact customer service then and the chat was ended. Today I received a notification that my account has been closed and it is very upsetting. I was lied to and no one within the company seems to care about my credit score being impacted or the misinformation provided by one of their agents. I doubt that anyone even reviewed the notes on my account verifying all of the information above. I have spoken to 2 managers and around 4 customer service reps throughout the day and I have gotten nowhere. I hope this will help them to see the error in their ways. This is unethical and unprofessional
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: At Lowe 's, associates encourage customers to sign up for the " store card. '' They do not clearly tell customers that this is a " credit card. '' Instead, they make it appear as if this is just another drug/grocery store club type card. This is not fair to customers who are not financially well educated and to the elderly. Store associates also emphasize how the card will save customers 5 % on purchases, while FAIL to mention that this card bears a 26.9 % APR ( in my case ) on those purchases! If I knew that I would get charged 26.9 %, I would never have taken the 5 % off deal. In this manner, Lowe 's is tricking customers into signing up for their credit card. Upfront, they need to be clear about the APR that they charge, not when they send the bill. Customers discover that they are being charged a high interest rate, a month AFTER they make all the purchases and through literature accompanying their bill. By then, it is too late not to sign up for the card, and customer has already been hit with a high interest rate. This is simply not fair to millions of hard-working Americans. Someone needs to stop this predatory and DISHONEST lending practice by Lowe 's.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20164
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I opened a store based credit card ( Ashley Furniture ) operated by Synchrony Bank. I have had issues related to the purchase made at the specific store tied to the card and I opened a dispute with Synchrony Bank on XX/XX/XXXX via phone with XXXX at XXXX XXXX XXXX. The same day I sent in a copy of my signed delivery confirmation via secure messenger on the Synchrony Bank website. On XX/XX/XXXX I receive a request for completion of the Dispute Acknowledgement Form. I completed the form on XX/XX/XXXX and submitted via secure messenger. I received an additional letter on XX/XX/XXXX requesting completion of the same Dispute Acknowledgement Form. I called into customer service and I do not have notes on who I spoke with that stated the Dispute Acknowledgement Form was received and she was unsure why I was receiving an additional request for completion. She stated I should ignore any additional letter requests. I received additional requests to complete the Dispute Acknowledgement Form on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I sent a duplicate copy of the Dispute Acknowledgement Form via secure messenger and received a response the following day it was received and sent to the appropriate department. On XX/XX/XXXX I followed up via secure messenger as it was past the 60 day mark that disputes must be resolved in per the terms of service in the credit card agreement. I received a response from XXXX who stated : We apologize for any frustration or inconvenience you have experienced regarding the dispute. We can help you. We understand your concern and appreciate your patience. Due to the nature of your inquiry, we have escalated your request to our corporate office for handling. There was no acknowledgement of the status of my dispute. I called XXXX at XXXX XXXX XXXX being connected with XXXX who left me on hold for over XXXX minutes. I eventually hung up and called back in. I spoke with XXXX in disputes who stated my original dispute was closed. I received no findings or follow up regarding the dispute. I asked to speak to a supervisor and was transferred to XXXX. XXXX put me on hold for approximately an hour when he came back he pretended he could not hear me and left the line open refusing to disconnect. It look another 30+ minutes before the line was disconnected. On XX/XX/XXXX at XXXX XXXX XXXX I received a phone call from XXXX with the Synchrony XXXX XXXX XXXX XXXX. She stated she can see the dispute was closed after 60 days but there was no documentation as to the resolution. She stated she was also able to see the numerous requests for the same Dispute Acknowledgement Form despite her confirming that I had submitted it on XX/XX/XXXX. She asked for all my receipts and correspondence with the merchant which I provided via email XX/XX/XXXX. I received no follow up and outreached via email on XX/XX/XXXX. I received a phone call from XXXX on Friday, XX/XX/XXXX who did confirm the receipt of my email proof. She stated my dispute was closed in the merchants favor despite me having signed receipts contracting the merchants verbal reports. She reported she did not send my proof into the dispute department and has opened another dispute this time including the multiple documents I submitted. My complaint with Synchrony is their violation of their own terms of service when they closed a dispute without any resolution or communication despite proof I had submitted the requested documents. Their siding with the merchant in the second dispute is an additional issue as I had provided paper documents proving the merchant was not telling the truth. On XX/XX/XXXX I received a secure message from XXXX with Synchrony Bank once again closing the dispute in the merchants favor despite my physical proof with signature. She also stated : During an investigation of your account, Synchrony Bank found an error occurred resulting in a delayed response to your billing dispute. I sincerely apologize for this error and the situation it created for you. Let me assure you this was an isolated incident and not indicative of our quality standards. Please be aware that no derogatory information has been reported to the credit bureaus with regard to this matter. This response is not sufficient for violation of the terms of the credit card that I am bound to just as they are.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: PayPal Extras Mastercard enrollment me involuntarily in a card security program tbey were billing me for monthly. When I noticed these charges, they removed me from the program but were only willing to offer a partial credit for the prior charges. The fee was getting incrementally larger every month and it seems they count on people not noticing while they collect their fees for this service and later refuse to refund you for this. They claim I signed up for it when I applied for the card ; however, I wouldn't have knowingly opted in for this. So, apparently, they are deceptive about how they enroll people as well. When I messaged and called to cancel, PayPal referred me its card security division, which seems like a third-party altogether because they didn't have direct access to my PayPal account and had an old address on file despite my having updated my address in my PayPal account . As well, they initially send you to a website to cancel, which requires you to log in or sign up. However, if you didn't sign up to begin with, as in my case, you won't have credentials to sign in obviously. These are fraudulent and bad business practices. Consumers should beware.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A