Date Received: 2022-12-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I went to Marshalls on XX/XX/XXXX. XXXX XXXX, CA. I was encouraged by the store cashier ( who was the manager ) to apply or a REWARDS CARD. I questioned her several times to make sure it is a rewards card and to make sure I did not already have an account. I then agreed to the REWARDS CARD SHE WAS OFFERING, the screen prompted questions regarding income and personal information, my social. I asked the cashier why that was needed and she says, " oh it's not for us to see but just a part of the process ''. I then ask why do you need my personal info for a rewards card? She said oh, thats just what they require but we dont see any of it. I thought it was strange and asked her again, this is a rewards card right? YES. she replied. Transaction goes through. I hand her my XXXX card for my purchase and she gives me just a receipt with nothing else. I get to my car and see the inquiry on my phone and I am now LIVID. I called immediately to the store to have them correct this as I did not agree to a CREDIT CARD, ONLY TO A REWARDS. She gives me a number and I contact the number which appeared to be Synchrony Bank, I explained the details to a rep named XXXX and they assured me that they would submit the information to the Bureaus and cancel the account since I did not authorize to become a credit card holder. Over this passed weekend XX/XX/17, I received several notifications for inquiries and new accounts via my XXXX account. This account was opened in a misleading way. I am not nor have expressed any interest in a Marshalls credit card especially considering I have several high limit credit cards. I was lied to on what type of account it even was and need these unauthorized account and inquiry removed from my credit profile as their practice is obviously misleading and illegal. They never informed me of the use of my credit nor did they advise me that it was a CREDIT CARD i was kapplying for. I havea tried to contact XXXX and XXXX but they keep hanging up in my face unwilling to helpThank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Care credit was already notified that there was no proof of contract but still reported I owed them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Confirmation number from Denial Letter : XXXX I applied for Verizon Visa Credit card through Synchrony Bank around XX/XX/2022 and received a denial letter on XX/XX/2022. The reason for denial on the letter is " Application has risk factors that cause us to be unsure of your identity. '' They confirmed my identity during the application process through multiple means including social security number and other questions about my past history. I called Synchrony Bank on XX/XX/2022 at XXXX XXXX CST and spoke to customer service representative XXXX. She said I had been denied because of low credit score reported by XXXX. I monitor my credit score regularly and as the attached Credit score report from XXXX indicates, I have excellent credit score and history. I believe the denial is in error based on wrong information or some type of prejudice such as race or national origin.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
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: Called the business on XX/XX/2022 to dispute a charge of {$33.00} dated XX/XX/2022. The overseas agent was very difficult to understand with a heavy accent and a fake phone name of XXXX. Thus, I am providing supporting proof to document this billing dispute. Attached is email confirmation from the business advising " Your XXXX XXXX is cancelled ''. Additionally, attached is a XXXX XXXX XXXX complaint filed on XX/XX/2022 filed against the business informing the business to " cancel service ''. If you look at XX/XX/2022, the business issued a credit of {$320.00} for four rodent bait boxes in which they picked up from my home. However ; the business was negligent in charging me a monthly recurring charge of {$33.00} on XX/XX/2022 that should not have occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Synchrony Bank reported my balance on XX/XX/XXXX to XXXX and XXXX as {$1400.00} when that is incorrect. The company acknowledged that they sold my debt. The debt company sent me a letter offering me a settlement of {$980.00} as paid in full. I paid the settlement amount of {$980.00} upon receipt of the letter. They wont update my balance to XXXX although I have shown documentation of the settlement letter. There is also a recorded call with XXXX XXXX of their representative showing the account was settled and paid in full. Synchrony Bank keeps adding comments to drop my score when Ive paid this debt in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is a notice to request information regarding : Synchrony Bank/TJX | Acct # XXXX Please provide copies of the following information : All billing statements from the date of account opening A list of people you have sent my personal information to The XXXX XXXX disclosures A copy of the XXXX cancellation of debt if applicable Date of First Delinquency Please forward all correspondence regarding this matter to the address stated above or attach directly to this complaint within XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX ; SYNCB - XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Ref : # XXXX & XXXX, these are the reference numbers that was given to me by their customer service representative at the call center. XXXX XXXX Charging me XXXX for a returned item. A purchase of XXXX purchase was made as Financing on XX/XX/2022 and fully cancelled on XX/XX/2022 without taking delivery of the bed. The sale rep told me I had to leave with a mattress protector. He also informed me that it was all refundable. The call center representative said I need to return the protector back to the store which I did on Monday XXXX. The protector was unopened and unused and Intact just as I received it. I left it at the store. They have now placed XXXX on my credit report adversely affecting my score. They need to remove that charge. The Store Manager was rude and certainly doesn't understand customer service, he had the opportunity to gain a customer for other purchases and it is terrible that a XXXX XXXX XXXX would take advantage of a Senior Citizen for XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
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/XXXX I noticed that two payments were made on my Amazon synchrony bank card. I called synchrony bank and asked if I could be refunded one of the payments I made. I was told from synchrony bank that its a credit on my account and it would take over 30 days for me to receive a check, I told the rep that I would make a report with my bank that it was not a authorized transaction. I went to my bank and made a report but I was told because it was an ACH transfer, I will have to go back to synchrony bank. the next day I called synchrony bank and requested a check. I was told by the rep that it will take 7 to 14 days not 30 days to receive a check. I verified my address with the rep, to ensure i will receive my check. that following Monday XXXX XXXX sent me a email saying they were able to get one of the payments I made back from synchrony bank. I then tried calling synchrony bank two times I was told on the phone by the rep that they were unable to hear me. I than used their online chat option. I was told by the rep that he will resolve getting my check not issued. I noticed the next following week that I got a letter from synchrony bank saying that my transaction was reversed. When I looked at my account I noticed it was {$230.00} the check that I requested for them to stop they decided to still send so now I called the rep and ask for a stop payment on the check and for my payment to be applied back to my account I was told from the rep that they were unable to do that. I was able to get a hold of a manager and was told by the manager that she put a stop payment on the check and I would be refunded in seven days I notice that on XX/XX/XXXX that I had received the check from synchrony bank. I called the rep and ask for my payment to be applied back to my account, but I was told by the rep that my payment would not be able to be applied to my account because she could not stop the check i told the rep the Check was already stopped from a manager and I was left on hold when she came back she told me she put a stop payment on the check and that it would take 30 to 60 days for me to get my refund. I told the rep again a stop payment was already put on the check from the manager and that it would take up to a week for me to receive my money. I ask the rep to transfer me to a manager. I was transferred to a manager and was told that stop payment was put on the check and that it would take 14 days for me to receive my refund. Ive talked to five reps and two managers and each one is telling me a different story I would like my payment to be applied back to my account because the check is destroyed and stop payment is placed on the check Im getting different responses, and I am left unsatisfied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53703
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have contacted XXXX XXXX XXXX everywhere and also Synchrony Bank they have constantly harassed me I have to call month after month and I am getting sick from it I have an XXXX XXXX that I need to avoid stress as much as possible and they keep stressing me out because nothing gets resolved, I pay my bills on time so I dont have to get stressed out about bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Synchrony Bank closed my Amazon Store Card on XXXX I did not request account closure and I am not in default. In the statement period from XXXX XXXX XXXX I made purchases of {$18000.00} in total on Amazon. With 5 % back and bonus rewards, I earned rewards of {$940.00}. Nevertheless, as Synchrony Bank closed my account, they also revoked my rewards immediately. No grace period is given for rewards redemption.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89523
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A