Date Received: 2023-02-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: In XX/XX/2022 I was served with court documents to answer to a debt with XXXX XXXX XXXX that they were trying to sue me for. I don't have any debts with this company. Due to the fact I have never been sued before I had contacted the company to ask what this was about and they just told me it was a debt that was owed to them. I never owed a debt to these people they can after me threatening a lawsuit against me. Originally the company that I reached ( XXXX XXXX ) Synchrony Bank told me that they sold my information to XXXX XXXX XXXX and that they had written it off. Also during that time I had my credit reports all shutdown because they were fraud being done under my name as well. I tried to work out something with them but they refuse and decided to persue trying to sue me after I have repeated to them numerous of times that I don't have anything to give them. I told them that I don't have any money and that I lost everything due to COVID but also I knew that there was a bill passed where If you had a certain amount of medical debt it would be wiped away but unfortunately this company still came for me for XXXX and then additional XXXX for court fees anyway. I tried to work out a lower amount with them and they refused so they told me I had to pay {$100.00} a month until its paid off. These people are scamming people out and something needs to be done about it I told them that I would try and pay that amount knowing that I don't have it just so I wouldn't go to jail. My parents as in the process of.helping me get a attorney because of how they mishandled this when situation. There are numerous complaints with the XXXX XXXX XXXX about this company doing illegal tactics and harassing people as well. All of the complaints are saying a lot about what I am saying too but now I seeking action against them soon for this I had no idea on how to properly handle the situation at the time I have attached all my supporting documents to why I should not be responsible to pay this company that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
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: XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX Care Credit Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX RE XXXX XXXX XXXX XXXX HAIR LOSS EXPERT Credit my account with {$2200.00}. This is fraud. I do not care what they are saying. I have used your credit card in the past for my dental with no problems. The customer is always right and should be respected. The process is unfair. It is also unclear. I made one appointment on Thursday, XX/XX/2022. When I left the office, a day later I noticed the office generated a host of appointments for the entire fees charged. Without even consulting me and my schedule. XXXX. My Care Credit account was charged the full amount of {$4000.00}. XXXX consultation. XXXX me {$2200.00} after credit. No treatment just appointments. It was mentioned the products. The cancellation policy was not stated in the beginning. It is not included in the initial paperwork. I have attached the original document. The appointments were in the XXXX. I have included in the attachment. My current balance is {$3400.00} of that I only owe {$1100.00}. The {$2200.00} is still XXXX XXXX responsibility. I have been so disappointed with this situation. I have place Care Credit out of my thoughts. I have worked hard to maintain my credit. As a result, I have incurred late fees. XXXX XXXX
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: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
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 purchased a bed from Mattress Firm XX/XX/XXXX, financed on a promotional 24 months interest free through Synchrony XXXX. I have made monthly payments of {$200.00} every month since then. In XX/XX/XXXX or XXXX I was informed that charge was made to my account and a bed was scheduled to be delivered in Texas. I live in California. I told them it was not my charge. They said that they would take care of it, that the account would be closed but to keep paying on my original purchase. I didn't even realize until recently that I had not been getting statements. My payments were made automatically through B of A 's bill pay system. Last evening I decided to try and find out if I had in fact paid off my account. I called Synchrony, spoke with at least 4 different individuals all who said I had a balance over {$25000.00}. I explained that i did not make any purchases beyond the initial one. They tried to transfer me a fifth time but I was cut off. following the call I went through my files and found an old statement from XX/XX/XXXX which showed a balance of {$1300.00}. As I have paid {$200.00} a month until last evening when I cancelled all future payments, I calculate that Synchrony owes me {$1400.00}. I am now making this claim and sending a leter to them as well. But as they would not listen to me last evening I don't have any hopes that they will return my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95662
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Got a lawsuit mail about a credit balance from Lowes credit account that I never applied for and now i got a court date and this account was in 2019 so I have clue where this is coming from
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: DEAR SYNCB/TJX CO XXXX XXXX Date Opened XX/XX/XXXX ) ; Attn XXXX XXXX XXXX XXXX XXXX negatively marked me late on my credit report on XXXX XXXX XX/XX/XXXX for up to 90 days. I think you got confused with the different account i had with you company. I have never been late with TJX. I reviewed my credit report and noticed that you continue to report inaccurate information on my credit report and shouldn't be reported as such. Ive communicated these scenarios several times with your banking institution representatives and over the phone on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a LOYAL client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am filing this complaint against PayPal Credit as they closed by account in either XXXX of XX/XX/XXXX without notifying me after I had gotten behind on one or two payments which I had made arrangements with PayPal Credit to pay and I had kept my arrangement. They made me think my account was still open, but they had actually closed it without my knowledge in either XXXX or XXXX as I wrote. To my surprise I found out that they were still charging me late fees and interest each month including in this month of XX/XX/XXXX with late fees of XXXX each month since they closed it in XXXX which I thought was not legal and I need clarification on this because from my conversation 's with other 's in the industry I have been informed that banks or credit cards do not continue to charge late fee 's and interest once an account has been closed. It seems as if this is being done in order to hurt me or being doing with malice and without any consideration to a customers problems whose business they sought. I informed them that I had to temporally stop working to help with a family that is over 100 years of age, but they do not care and continue to add these amount 's to my account although they closed the account. I therefore feel they are being very unreasonable and again doing something that I did not think was legal. When my account was closed I was over my credit limit by about XXXX. Now they have me owing almost XXXX when my credit limit was just XXXX. I have tried in good faith to ask them to stop charing late fees when my account is closed and stop adding interest to this account but they refuse to do so. Therefore I am seeking your assistance with this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90272
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: Visited Ashley XXXX XX/XX/23. Purchased a power lift recliner ( XXXX ) online inside the store ( chair unavailable in store ). Recliner delivered XX/XX/23. One hour after delivery, noticed the arms of the chair wasnt secured to the seat of the recliner, leaving a huge gap between the base and back of recliner ( a dangerous safety hazard for my elderly mother ). Contacted XXXX the delivery guy, stated would get with warehouse manager, if an associate could come by. On XX/XX/23, contacted the protection plan, informed of defect and a ticket was created. On XX/XX/23, XXXX came to home, attempted to close the huge gap, stated chair assembled correctly and agreed defect in the recliner. On XX/XX/23, associates attempted to deliver and 2nd recliner, assembled chair outside of home and XXXX chair had the same defect as original. Both defected recliners were loaded onto truck # XXXX @ XXXX. An hour after the unsuccessful delivery and return of the original defected recliner, I received a call from XXXX who wanted to make another appointment for a 3rd delivery. I informed the associate the recliner ( XXXX ) has a manufacturer defect and I did not wish for another delivery of the recliner. I also informed her the store had no recliners in house that would meet my needs and I would like a full refund of the defected recliner. XXXX apologized for the issue and stated she would put in a ticket for a refund and it may take 30 days for the refund to be credited back to my account. Several hours later, I received a text to reshedule a delivery. On XX/XX/23, I received another text and a call to reschedule a delivery. I informed that associate, I would not be purchasing a recliner and was awaiting my refund, the associate apologized and stated she would note this and I should no longer recieve any text. On XX/XX/23, I received another text to reschedule a delivery. I made 2 phone calls to customer service and spoke with XXXX and XXXX and requested that the text cease and inquired about my refund. I was informed by both associates that XXXX does not do " refunds '' and I needed to reschedule a delivery. I informed both associates again that I was no longer in possession of the recliner, the recliner was defective and a huge safety risk because of the defect that could cause a severe injury to my elderly mother. Unfortunately both associates continued to give me the same script. XXXX states it has a 30 day return policy on defective purchases made online and in store. This recliner was ordered online inside the store by XXXX.Please note the recliner was XXXX, 5 year protection plan XXXX, delivery XXXX and taxes XXXX, total cost {$1300.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2023 at XXXX XXXX EST To : Synchrony Bank XXXX Cc : XXXX Subject : Re : XXXX, Take action on your PayPal Credit account I do not have an account with Synchrony. I am reporting Synchrony Bank to the CFPB. I can be reached at the number below. XXXX XXXX XXXX XXXX On XX/XX/2023, at XXXX XXXX, Synchrony Bank XXXX wrote : Account Ending In XXXX | Log In You missed a payment. Lets get back on track. Hi XXXX, Your PayPal Credit account is past due. Reminder, XXXX reports your account status to XXXX, XXXX and XXXX credit bureaus monthly. Your minimum payment due includes the past due amount of {$29.00}. Current Balance Minimum Payment Due Due Date {$110.00} {$69.00} XX/XX/2023 Make a payment today or schedule a future dated payment by opening your PayPal App We're here to help XXXX Call us Weekdays XXXX XXXX.- XXXX Weekends XXXX XXXX.- XXXX XXXX.XXXX. ET Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at https : //www.identitytheft.gov. This is an unmonitored email box. Please do not reply to this email. We respect your privacy. Click here to read our Privacy Policy. 2023 Synchrony Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 244XX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This report was done in error, If I received good or services, please have a senior executive certified under the penalty of perjury that have in fact received good or services in results of these transactions. According the FCRA 605B ( 15 U.S.C. 1681c-2 ) you must block the following alleged accounts immediately. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] respectively. Account is the result of identity theft. Please remove from credit profile immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This issue has been going on with my QVC Credit card via Synchrony Bank. Since I believe XXXX or XXXX maybe slightly earlier they have forced customers to use their Account Manager. I practice an account manager program is probably a good thing, all cards from a company can be seen all at once, however the diabolical corporate idiots decided to not only FORCE you to sign up for the use of the Account Manager you have to give up your right to have Agree to the Consent to Electronic Communications. I want all my communications done by mail, that way I have proof that something was sent, if they want to create a tab for Communications that would be fine. Prior to this I had no problem signing into my account for QVC. Then I had to remember over the summer of 2022 that I had to slide this bar or tab so that I could get around using the Account Manager. NOW I'M BEING FORCED TO USE THE ACCOUNT MANAGER IF I WANT DETAILS OF MY ACCOUNT AND TO SEE WHAT MY CURRENT BALANCE IS OTHER THAN WHAT MY STATEMENT SAYS. THIS IS WHAT I GET FROM THE POP UP WINDOW BEFORE I'M ABLE TO SEE ANY INFORMATION. Welcome to your account manager A simpler, faster and more convenient way to manage your Synchrony accounts. By using the account manager, you agree to the updated Consent to Electronic Communications. Your current communication and statement delivery preferences are not affected by this change.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94131
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A