Date Received: 2023-02-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: MY CHECKING ACCOUNT WAS COMPROMISED BACK SOMETIME IN XXXX OF XXXX. AS A RESULT, XXXX XXXX XXXXXXXX CLOSED MY ACCOUNT AND RETURNED ALL PAYMENTS MADE AGAINST THE COMPROMISED ACCOUNT. I THEN HAD TO REOPEN A NEW ACCOUNT. MEANWHILE, A PAYMENT WAS MADE AGAINST THE SYNCHRONY BANK LL FLOORING. THE PAYMENT WAS MADE AGAINST THE WRONG ACCOUNT AND AS A RESULT, WAS ONE OF THEM RETURNED BY XXXX XXXX XXXX. AS A RESULT. WITHOUT WARNING SYNCHRONY CLOSED MY ACCOUNT WHICH HAS IMPACTED MY CREDIT BUREA REPORTS. I HAVE MADE SEVERAL ATTEMPTS TO EXPLAIN THIS TO SYNCHONY LL FLOORING TO NO AVAIL. MY ACCOUNT HAS ALWAYS BEEN IN GREAT STANDING PRIOR TO THIS INCIDENT AND FIND THIS VERY UNFAIR PRACTICE. SYNCHONLY THEN STATED IT WAS A RESULT OF A CREDIT PULL AND WOULD BE EXPLAINED IN A LETTER ADDRESSING THIS SITUATION. NEEDLESS THE LETTER I RECEIVED MENTIONED NOTHING OF A CREDIT PULL. THE LETTER WAS TO INFORM ME OF THE MISHAP AND TO INFORM ME TO CONTACT MY BANK TO CORRECT IT. I HAVE SINCE PAID OFF MY ACCOUNT WITH THIS CREDITOR.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
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: In XX/XX/, we ordered door cover At Lowes Store in XXXX XXXX. The order was Shipped to our house. The item was an incorrect design versus to the design we chose. The Lowes XXXX install it anyway because he the XXXX already damaged/ripped the door cover that we are temporarily using and told us to go to store and report about this wrong door cover that we received so a correct replacement order should be processed. The wrong door cover can be brought down once we receive the replacement and sent back to the store for refund. We went to the store as the XXXX said and met with the XXXX and explained to him what happened. This XXXX assisted us in getting the replacement same door cover design that we picked originally. This XXXX even showed the catalog for correct design which the previous sales person never did. In short, the replacement to the wrong door cover was processed and I ask this XXXX after he finished the transaction if how the credit will be handled. XXXX even said that he gave a good discount for the trouble that was caused to us. The wrong item cost us {$500.00} and the replacement order cost us {$660.00}. After a month I do not show credit processed for the wrong item and ask the XXXX how it will be handled and he told us that no refund or credit will bone so I filed a dispute with the bank. Installation for the replacement was arranged in XX/XX/2022 but installation was refused by XXXX because I was told that I filed a dispute. I do not have the replacement order and I refused the installation after several months because merchant will charge me if I want it installed. I refused anymore of the installation because of what this merchant has put us through. All of this dispute issues were all communicated with the merchant and the credit card bank with all the support documentations and live recorded conversation that were documented as they say of what transpired in all my dispute conversation. My card has an ongoing charged including penalties of both amount and the credit card in their letter told me that the amount of {$500.00} will not be refunded at all because of the purchase contract even if the shipped merchandise is wrong. Credit Card bank continues to charge me of the Replacement order that I do no have in the amount of {$660.00}. All documents and my back letters will be provided upon request with the hope that will resolve my issues. I told the merchant and credit card back that what happened to us is harassment and discrimination for seniors like us and working on our relocation to XXXX XXXX. It also seems that this credit card company owns this merchant and seems protecting them more than a consumer. Please help XXXX seniors. This merchants XXXX us feel that we do not remember what went on. Thank you and I hope to hear from you soon. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
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 XXXX my spouse and I went to Ashley Furniture to shop for some furniture, because we had just moved from Florida with my XXXX XXXX XXXX XXXX and had no furniture in our home. We purchased some furniture and used my, XXXX XXXX, Synchrony Bank credit card. We were very rushed through the process and signed documents that were not explained to us. When we got home we read over the documents and then on XXXX called Ashley 's of XXXX Indiana to get a clear delivery date because we could not live without furniture in our home. We were told that we would have to call back and speak with the manager XXXX XXXX. We were asked when she would be available and they stated try tomorrow which we did. We called on XXXX and asked for the manager, we were told that she was not available, we stated that we needed to cancel our order XXXX, because we were not provided a delivery date. We were told that there are no confirmed delivery dates and that we would have to speak with the manager. As you can see from the attached phone records we tried many times to contact the manager and also left several messages that we needed to cancel our order because we could not just wait for furniture to be delivered whenever. Also My first contract for furniture that I signed was for {$5200.00} and the final bill came in and was {$7000.00}. When I questioned the difference I was told that my spouse went in and ordered another sofa, but there should not have been anyone that can make a purchase on this account since I am the sole account holder and I am not sure why this would have happened. I called the store on XXXX and was again told that the manager was not available, but they put the salesperson on the phone. I explained to him that I was being billed for an order that we had canceled and why was there an additional purchase by an unauthorized user allowed to happen. The salesperson stated that he could not cancel the order and that I would have to speak with the manager. I explained that XXXX have tried to call and get the manager on several occasions with no avail. We finally sent certified letters to the store manager and the owner of the store via certified letter. So I contacted Synchrony Bank to dispute the charge on my card for items that we had canceled. The representative at the bank asked if we had canceled the items and I explained that we called the store on many occasions to cancel. I sent them several documents and they eventually sent me a letter from Ashley 's furniture that stated please do not reverse charges so they did not find the dispute in my favor. Ashley 's has stated that they have contacted us on many of occasions to deliver but we printed out phone records that does not substantiate the calls. It has now been over XXXX year and there still has been no delivery of furniture though I am currently being billed by Synchrony bank for {$7000.00}. I have included several documents. Also please be aware that there are initials on documents that are not mine. I am also including in the second documents the contract that I was sent home with that has no initials and a copy of my billing from Synchrony bank. I am also adding a letter from the Indiana Attorney Generals Office that tried to mediate for me with Ashley 's furniture and they stated that they would cancel the contract for a 30 % restock fee which I am unable to afford since I live on SSDI and I believe that is very unfair. I left a deposit of {$570.00} with the store on XXXX and I believe that this is a sufficient restock fee. When we tried to contact Ashley 's again on XXXX we were that we are not allowed to cancel an order and that they can deliver the furniture anytime they want.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46614
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This bank ( Synchrony ) first decreased my credit line limit for no reason despite making payment on time and never missing any payment, and reported to the credit bureaus which significantly lower my credit score. After a few months, they closed my account without further notice and reported to credit bureaus which also lower my credit score. A week ago, they reported false information about my account including outstanding balance and delinquency. The balance on my account was paid in full before they closed it. This bank really hurt my credit report so badly and with the last falls information reported, my credit report went down by more than 150 points. Its unfair for me to try so hard on building a credit score to be in a better financial situation and this bank ruin the work Ive been doing for so long.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to dispute a recent inquiry that appeared XX/XX/2022 on my credit report. The inquiry SYNCB/CARE CREDIT was not authorized by me, and I believe that it is a result of fraudulent activity. I am concerned about the impact that this inquiry could have on my credit score and overall creditworthiness. I have reviewed my credit report and have not applied for any credit or loans recently that would warrant a credit inquiry. I believe that this inquiry is the result of identity theft or other fraudulent activity. I take my personal information security very seriously and have taken steps to safeguard my information, such as regularly monitoring my accounts and using strong passwords. I am requesting that this fraudulent inquiry be removed from my XXXX credit report immediately. I have already contacted the other credit reporting agencies to report the fraudulent activity and have placed a fraud alert on my account. I am willing to provide any additional information or documentation necessary to support my dispute. Thank you for your prompt attention to this matter. I look forward to hearing from you soon with the results of your investigation. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Care Credit is a card I apply for at the time is because of XXXX XXXX. When I read about the card I was said that you can use it for medical bills, dental and buying some items of drugs like pharmaceutical products. I didn't know that their card ( Care Credit ) only had limited places. For instance my doctor or the hospital had to accept this Care Credit. Everything I tried to purchase didn't accept this card. So now the company closed my card account without any warning or explanation. I called ask why my account was closed I didn't get an answer or letter I was told I will receive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: A painting contractor I hired offered me a promotional deal in which I could get financing for 18 months at no interest, as long as I made regular payments. This arrangement was made through Synchrony Bank ( A company that was unfamiliar to me. ) My understanding was that my last payment was due XX/XX/2023. I made payments regularly. However, I received only a couple of statements of my account and no warning that the actual payoff date was XX/XX/2023. I did receive a letter from Synchrony in early XXXX stating they had a problem sending statements to my email account and that they were going to mail me statements instead. No statements have ever been received. If something was wrong with my email, they also had my physical address and my phone number. I made a payment of {$10000.00} in XXXX. and on XX/XX/2023 I called Synchrony to make a phone payment and learned that my account balance had jumped by over {$14000.00}. I found that I had been charged the total interest for the total duration of the account on XX/XX/2023. I paid off the entire balance in a direct transfer from my credit union, but the $ XXXX interest payment was paid under vigorous protest. Synchrony Bank, which has some sort or relationship with XXXX, conducts its business from a number of offices ( I do not mean bank branches ) throughout the country. I was dealing with its office in Florida. Their system is almost completely automated. One has to wander around on their website even to find a phone number. The number is answered by a robot. It states upfront that to talk to a human costs {$10.00}. Thus instead of spending hours on the phone talking pointlessly to robots, or spending {$10.00} each on a number of fruitless calls, I am skipping that and complaining to you directly. I believe that $ XXXX interest charge was unfair and exorbitant because of the lack of statements advising me of the status of my account. For this kind of an offer, I think I should have been sent regular statements. The statements should clearly indicate the payoff date and balance for the special offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92025
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello, I sent a letter to Care Credit asking them to validate an account they say I have Below. I sent them a letter on XX/XX/ which I also will be attaching below. It now has been over 30 day and I still have not gotten a response from care credit. I would like for this company to provide a copy of my signature on any documents that holds me responsible for this alleged debt. I will also like for the company to cease any credit bureau reporting until debt has been validated by me as required under the FCRA. XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: On XXXX XXXX XXXX I contacted Synchrony Bank in regards to my TJMaxx credit card replacement that I had requested back in XX/XX/XXXX due to a name and address change. Synchrony Bank received the verified documents that I had mailed to them in XXXX and mailed me a new card. However... I never received this card, and subsequently, my account was closed! I have had this account for 11 years and it was ALWAYS in perfect standing... NEVER late on a payment. And of course, NO ONE had an exclamation of WHY it had been closed. I called 3 times ... once the service rep said they were having technical issues and couldn't give me a reason why it had been closed, 2nd time I was put on hold for 15 minutes and my last call was dropped after being told by a recording that every rep was busy. This is so typical of today 's incompetent customer service reps ... No one has any decent and professional work ethics anymore. EVERYONE wants to work remotely so they don't have to be accountable. ( Attached is the conversation from " Live Chat ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I stopped automatic payments from my checking account for my Synchrony credit card over six months ago with my bank XXXXXXXX XXXX and also three times with Synchrony Bank!! Yet Synchrony has continued to debit my bank account after I stopped authorization for them to do so numerous times including today for {$510.00} which is more than half of the balance on the credit card!! It did not go through and wont be as there is no money in my account!! I also told them to CEASE and DESIST, which they also are not adhering to!! The bank contacted me by email to let me know about the debit through my alerts I set up!! I called XXXX to ask them why this ACH was allowed to go through from Synchrony Bank as I had already had them put a stop payment on the account in the past and also withdrew my authorization with Synchrony Bank! They said because I did not set the autopay up through them and instead did it on Synchrony Banks side that they can get around it and keep trying to take money and I would have to contact them to stop all, which I have already done three times, or they said they could freeze my account so no money could be withdrawn but only deposited but my direct deposit and other payments go in and out of it so I told them I would file a complaint with you instead and let you hand deliver the note to Synchrony Bank to STOP ALL ACH and AUTOPAYS from my account immediately and CEASE and DESIST!!!! I also want you to fine them for breaking the laws!!! Why are they not noting on their website and in all their credit card documentation that autopay set up for ACH can not be stopped? Their website clearly lets you start and stop them at will yet they claim they can not be stopped!! Liars and Crooks!!! I HATE lawbreakers and deceitful trash like these people!!! Make them alter all in their documentation and fine them or I will start a very large class action lawsuit and make them do so myself!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A