Date Received: 2023-01-31
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 opened a dispute through Synchrony Bank on XX/XX/XXXX, They said it would take unto 60 days to contact Ashley Furniture store to investigate. After the time passed, on XX/XX/XXXX I see a balance due with no letter or notification from Synchrony bank. Synchrony has failed to mail or emailed a resolution letter of their investigation that I opened XX/XX/XXXX, XXXX synchrony has failed to do a thorough investigation. if a proper investigation was done synchrony would have realized that Ashley made a mistake, a typo and so they sent me the wrong item, Ashely sent to my HOME Item : XXXX INSTEAD of Item : XXXX. I DID NOT authorize or approved for item Item : XXXX to be sent to my home. Cant you not see the typo Ashely made??? On XX/XX/XXXX I filed a dispute with Synchrony bank. I told Synchrony that Ashley store furniture has failed to provide me with the item I had originally purchased. They delivered the wrong item,. I was told by synchrony it would take up to 60 days for a resolution. Since Ashely couldn't get together my order correctly I requested a cancellation of everything ( which was only 1 queen bed and they have failed to cancel. I should not be responsible for an item I didn't purchase or approved. .I went to store located in XXXX XXXX on XX/XX/XXXX. I purchased a bed on display, called XXXX XXXX XXXX XXXX XXXX bed Item : XXXX ( ( which included storage ) as seen on their display model. Instead ASHLEY SENT the WRONG item. I received XXXX XXXX XXXX XXXX XXXX : XXXX. not the Upholstered version. AS you can easily see ASHELY made a mistake, they made a typo on my order, they entered Item : XXXX INSTEAD of Item : XXXX Therefore, I? d like to request a proper reasonable instigation, on said dispute said transaction, I? m terribly dissatisfied with Synchrony handling my case. I should in no way be responsable or pay for item that I didnt order or approve or received. Briefly, I? d like for synchrony to please correct the error on my account promptly. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
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: PayPal Credit XXXX ID # XXXX On XX/XX/22 via XXXX {$300.00} was sent to " XXXX XXXX '' for merchandise ( vitamins ). Never received, he provided a fake XXXX tracking number through a fake XXXX website. I repeatedly asked for return of funds and " XXXX '' failed to respond or said, " he would look into it. '' No items received to date. No responses from : " XXXX XXXX ''. XXXX refuses to provide information on XXXX XXXX and refuses return of funds. XXXX is contributing to this criminal activity, and I was told by XXXX that I am not only victim, but they ( XXXX ) refuse to investigate and return my funds. XXXX refuses to provide details on XXXX XXXX 's account so that I may peruse legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX//23 a payment of {$1000.00} was withdrawn from my account. This was meant to be {$100.00}. I contacted Synchrony the following day to request a refund less the XXXX dollars as this was an incorrect overpayment. I was unable to stop payment with my bank as it was already posted once I realized the error. I was on the phone with Synchrony for over an hour speaking to a rep, attempting to get resolution. I was told that the turn around time was XXXX weeks to get my money back and only via physical check. I asked for a supervisor and held in the ensuing hour with no one coming on the line. Ultimately i asked the original rep to process my request. It's now been over XXXX days and I do not see the funds dispersed from my account, which the rep said would occur and would confirm the funds had been distributed. Even if the funds are distributed at this point, they are sent regular mail and I would not receive them within the original timeframe provided. This is the second month in a row a payment issue has occurred, the first i was able to resolve directly with my bank. These are vital funds I need to pay my living expenses, including health insurance and food to feed myself and Young son. Its unacceptable to have no easy route to resolve this without very long hold times and to not receive the funds at all. Secondly, I do not believe using their website on a mobile phone is user friendly and things are not clear enough to avoid an error with payment. I'm no longer confident in using this when making payments with them anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85745
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have not received billing statements via mail nor by email for several years. Yet PayPal Credit c/o Synchrony Bank has made withdrawals from my checking account and have let interest accrue during the same time period. After attempting contact Synchrony Bank I received the first mail correspondence in years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
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'm trying to dispute a charge made on XX/XX/2023 for {$350.00} with PayPal, but PayPal 's dispute and customer support section is inaccessible and reports an error. There doesn't appear to be a way to reach PayPal to dispute the charge or talk to someone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44070
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I got a duplicate payment for {$540.00} and now Synchrony Bank will not stop the second payment. They said it has to go through and they will put a credit back on XXXX. That is not where the money came from. I want the authorization stop or the money put back in my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95842
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I HAVE JUST NOTICE THIS INACCURATE ACCOUNT REPORTING ON MY CREDIT REPORT AS OF XX/XX/2023. I HAVE NOT AUTHORIZED ANY OF THESE INQUIRIES OR ACCOUNTS DEOGRATORY OR IN COLLECTIONS. AS IAM IN THE PROCESS OF PURCHASING A HOUSE AND THIS IS STOPPING AND SLOWING THIS PROCESS. I WOULD LIKE FOR ALL INACCURATE INFORMATION TO BE REMOVED FROM FROM COMSUMER REPORTS N CREDIT BUREAS ASAP PERMANENTLY AND INDEFINITELY! THANK YOU
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: DEAR ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher. I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02121
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I got a JCPENNY Credit Card. The store employees took merchandise and charged it to my credit card and, then, had its partner in crime ( XXXX Bank ) falsely document that I had this fake debt and sent me to collection-agencies-credit bureaus to damage my credit. This was because I refused to be blackmailed and give them money to delete the fake debt. Then, I contacted the newspapers and they deleted the fake debt ; but left the interest and fees on my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: ON XX/XX/XXXX I RECEIVED AN ALERT BY XXXX MY COMPUTER WAS HACKED AND ID THEFT WAS TAKING PLACE. I IMMEDIATELY CONTACTED XXXX FOR ASSISTANCE, I WENT INTO MY PAY PAL ACCT AND NOTICED THERE WERE CHARGES WHICH WERE NOT MADE BY ME IN EXCESSIVE OF XXXX PLUS DOLLARS. THE PAYMENT WAS TO XXXX XXXX XXXX. I FILED A DISPUTE WITH PAYPAL HOWVER THE REPRESENTATIVE STATED I ORDER SOMETHING FROM PAYPAL AND REFUSED TO PAY BECAUSE IT HAD NOT ARRIVED. THIS WAS TOALLY INCORRECT AND I SUBMITTED N ADDENDUM NOTHING I NEVER ORDERED ANYTHING FROM PAYPAL IN THIS AMOUNT. HE INTENTIONALLY NOTED THIS IN ORDER TO BUY TIME SUCH AS 7 DAYS IN ORDER FRO SYNHCHRONY BANK TO GATHR THE MONEY TO RESTORE MY ACCOUNT. ON TODAY ALL OF MY MONEY WAS TAKENFROM MY ACCOUNT BY PAYPAL FOR A TRANSACTIONS I DID NOT MAKE. I PERSONALLY THINK THIS WAS INTENTIONALLY DONE DUE TO PAST RUN INS WUTH SYCHRONY BANK. THEYHAVE CREATED A SITUATION IN ORDER TO CLOSE MY PAYPAL CREDIT ACCOUNT. IN ADDITION, I TRAVELED TO THE BABK AND FILED NECESSARY PAPER WORK THE AMOUNT CHARGED ON THE PAYPAL ACCOUNT FOR THE HIGHEST TRANSACTION WAS XXXX. THE AMOUNT DEDUCTED FROM MY ACCOUNT WAS XXXX WHICH IS A TOTALLY DIFFERNT AMOUNT AND TRANSACTION. IN ADDITION I HAVE RETURN ITEM PURCHASED THROUGH PAYPAL CRREDIT AND HAVE NOT RECEIVED CREDIT FOR THEM. ON XX/XX/XXXX A PAYMENT OF XXXX WAS SENT. THIS PAYMENT WAS ACCIDENTLY SENT TO A LANDLINE NUMBER. THE RECEIVER STATED SHE DID NOT RECEIVE THE PAYMENT. BUT PAYPAL STATED THE RECEIVER DID, GUESS WHAT? SYNCHRONY WILL CLOSE THIS ACCOUNT ALSO.! OH WELL!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A