Date Received: 2022-12-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX XXXX has a credit card through synchrony bank. They run promotions like receiving money back on purchases. Synchrony is attempting to ignore the promotion. I've been messaging them about this since XX/XX/2022 and they keep claiming that my inquiry has been escalated and that it will take X amount of business days to get a response. They never respond and keep stalling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89506
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I've discovered I've been charged thousands of dollars going back to XXXX for a " service '' I never agreed to nor even saw any acknowledgment option for. Below are some notes from my calls with Synchrony. I was informed by Synchrony Bank employee XXXX XXXX I would be 'getting everything back ', but the department was closed and I would have to call the XXXX -- -- - CALL ONE : XX/XX/XXXX, XXXX XXXX, TOTAL 29 MINUTES - Transferred from XXXX Customer Service XXXX XXXX XXXX to Synchrony Employee XXXX XXXX said verbatim 'I would get everything back ' at XXXX XXXX -- -- - CALL TWO : XX/XX/XXXX, XXXX, XXXX ' 'Employee ID ' XXXX XXXX Employer XXXX XXXX ' Customer Care representing Synchrony I described this practice to the employee a " fraudulent billing practice '', billing a customer money without their agreement for a service they have no knowledge of even having been 'enrolled in " by the biller. I've discovered other people who have had their refunds assisted by the CFPB for the wrongdoings of Synchrony 's " CARD SECURITY '' billing practices and was suggested I also file a complaint. Instead of helping me, this agent kept on saying it is 'not her department '. I reiterated several times I'm not talking about outside fraud, but an unscrupulous billing practice by Synchrony and that I am indeed at the correct department as instructed by Synchrony themself. This person laughed as she gaslighted me saying " oh no but you said fraud so I won't help you '' even though I was at the right place causing me to get extremely frustrated. I believe these are retention agents that are incentivized to not refund money and get us to hang up the phone. She informed me 'she had no supervisor ' at first. I believe this practice is illegal. Later in the call she said she did say she requested a callback from a supervisor, clearly indicating she was lying and thus had incentive to get me to hang-up the phone to avoid a bad survey or to increase her retention rate. -- -- - CALL THREE : XX/XX/XXXX, XXXX, XXXX - Employee/Call Ref ID XXXX ', XXXX XXXX ' aka XXXX XXXX representing Synchrony I then called the same line back and did indeed have some of the money refunded by XXXX, but not the full refund I am entitled to as someone who was billed for something without their knowledge or explicit agreement with any sort of knowing of said program 's enrollment or cost. She escalated to a supervisor, and instructed me I would have to either call back again or wait for a callback. It doesn't sound like she has any kind of actual relation to these supervisors and couldn't tell me certainly it would actually even happen. -- -- - I also can not even see in my XXXX STORE CARD portal the full amount I have been billed for this program I had no knowledge of. Please verify the total amount I have been charged from the beginning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78753
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I paid my Amazon Credit Card on time every month. At this point, I have a credit of {$92.00} that I never received. My credit card was closed. The customer service represented that I had XXXX checks that did not clear the bank. I had a checking account with XXXX XXXX that direct deposit to Amazon. I discontinued the direct deposit and paid Amazon directly. However, the XXXX XXXX account still was sending Amazon payments without any funds. In XXXX, I stopped the payments from XXXX XXXX. When I contacted XXXX XXXX XXXX XXXX, that stated that it was a mistake that the bill pay account was still being used. My account was never delinquent and I have a credit of {$92.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92543
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022 I received a text alert that my card was used for a purchase at XXXX for {$100.00}. I immediately called ( on XX/XX/2022 ) and reported the charge as fraud. I spent well over an hour, confirming that I still had the card and I did not make any purchases. Prior to the fraud, card had a XXXX balance. The representative told me that he filed a fraud report ( have screen shots of chat ) and that I wouldn't be responsible for the bill pending investigation and that the card had been cancelled and a new card would be recieved within ten days. On XX/XX/2022, I received another text stating my bill was due. I called again ( on XX/XX/2022 ), after finally getting to a XXXX in the fraud department which took another hour, I was told that the representative I spoke to in my first call didn't actually file a fraud claim and instead listed my call as a lost card. I informed the XXXX that I never recieved a new card and the sent a new one via XXXX. I was unable to login to my account between XX/XX/2022 and XX/XX/2022 due to not having the new card. On XX/XX/2022, I recieved another text message that my account was now deliquent and would be reported to credit agencies. I once again called and spent almost two hours on th phone and was transferred to 4 different representatives. I was told that there was nothing they could do because they have 30-60 days to determine the outcome of my fraud claim which they said began on XX/XX/2022. Not the XX/XX/2022 date of when it was initially reported. This gave the company an additional 30 + days with no recourse for me. The credit card company has now added the fraudulant charge TWICE to my account along with late fees and interest. The bill is now {$230.00}. When I spoke to the XXXX on XX/XX/2022 I was told that they had to add the fraud charge to my account twice and I would know within 60 days if they agreed this was a fraudulant charge. I informed them that I filed the claim on XX/XX/2022 and have proof that I said it was fraud. They said there is nothing they can do about that and that if they decide in my favor I won't be responsible for the charge. No one could explain why the fraud charge was added to my account twice - once on XX/XX/XXXX and again on XX/XX/XXXX. I have no history of XXXX charges and I can no longer see the initial fraudulant charge because when they send you a new card- you are required to create a new account and do not have the history to your previous account. I have spent 5 hours between three phone calls while this company continues to add charges, fees and interest and provides no insight or assistance into what is happening on my account in my name. They have reported this balance to the credit agencies. I have never seen a credit card company act in this manner. ALL OF MY CARDS ARE PAID IN FULL EVERY MONTH and I value my credit. This card, opened at a XXXX 's XXXX many years ago was for a promotional membership and has a credit limit of {$300.00}. This is now appearing as a " high balance '' ratio on my credit score since they've added the fraud chargetwice along with late fees and interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This card reported late payment on my account on XXXX XXXX I was locked out of my account and I was unable to make payment online took multiple trys to get some one on the phone. Per customer service not enough staff due to Covid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
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 purchased a indoor security camera from Sams Club online and it was " defective '' ( did not work, would not connect to WiFi ). So I spoke with a rep and I returned the merchandise via XXXX XXXX as required, and they still have not credited my Sams Club credit card for the amount of {$100.00} as of todays date, XX/XX/2022. ( see attachments ) of chat with a Sams Club representative and other pertinent information regarding the purchase of the merchandise. I provided proof of delivery return ( see attachment ( XXXX ). I want the refund " Due me ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
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 do not have an account number as this account was opened without my permission and I have not received anything ( statements, card, etc ) I had massive fraud on my synchrony/Lowes credit card in the summer of 2022. After a very long time of getting it resolved I was told my account was permanently closed. I went to check my credit report on XX/XX/2022, and there was a late payment for another charge on the synchrony/Lowes credit card for {$530.00}. When I called synchrony/Lowes, they said my account was never closed down Although it shouldve been and they will have to do a fraud investigation. In the meantime, it has knocked my credit score down, XXXX points and I am trying to apply for a loan, so this is having a deleterious effect on my ability to do that. I told XXXX that they should not be happening every few months with fraud. I dont know what to do at this point as they are saying it could take up to 60 days which is outrageous. This account shouldve been permanently closed as they told me it would. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I owe a bill with Synchrony Bank. I was paying on time until I was unable to pay and I called to tell them and agreed to pay when able. I couldnt pay cause my mom was losing her house and went into XXXX do to XXXX failure. They put it on my credit report anyway. Someone served me papers during Covid at my home. and I called the rep. and they said it was paused. I told the rep I will pay, but was on XXXX and wasnt working. Now I have a judgment filed against me without them even reaching out to me. I just talked to a rep. last month and I agreed to pay what I owe. She told me that would not work for them. Now I have this judgment. This is not right. After covid they are bullying me when I kept in contact the whole time. They lied to me. I just started back working the end of XXXX XXXX. My house note is XXXX behind and doing my best to catch up. Please see attachment for date and amount. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
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: XX/XX/XXXX Care Credit charges my whole statement balance instead of the minimum due. Which was {$1600.00}. This put my bank account negative XXXX and has been that way ever since. I have called multiple times, originally they said 7-15 business days for it to be resolved. Every time I call I get a different answer. Its been 16 business days now with XXXX coming this weekend and they have still not refunded me. They have made the last 3 weeks a stress fueled nightmare. I use the autopay feature and I never even go into the app, thats how I know it was 100 % fault of care credit. It was their mistake and they have done nothing to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Received a collection notice in the mail today without ever being contact about the debt at all. We continue to use the pharmacy and no one has brought the issue up or even a phone to resolve this. They are charging me {$50.00} for XXXX and XXXX, i have paid the debt but want the collection notice removed from the credit agencies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48348
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A