Date Received: 2022-11-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I called the Amazon prime store card and regards to my returns. My returns are supposed to go back to my Amazon store card but instead they put it into a gift card balance I've called them several times in the past in XXXX and XXXX in regards to them putting my return payment into a gift card instead of deducting it from my bill. I've been trying this time since XX/XX/XXXX to get them to apply that money to my account and I've been calling several times and they just keep hanging up on me now I closed out my account and want to pay the balance off but they want me to pay on items I've already returned and they have the items and I can't get them to cooperate with me all I want to do is pay the card off and cancel it and have the money that's in that gift card apply to where it belongs my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Problem with customer service
Subissue:
Consumer Complaint: They sent me two cards and one was not paid for cents and they sent me on credit I think it was like a year and a half ago
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85302
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Several months ago I removed an unused bank account in the app so it would stop auto paying from that account and instead paid manually with another account. on XX/XX/22 Synchrony readded that old account to my account and tried to pull the payment from it resulting in a reversal and insufficient funds fee. As soon as I noticed this I immediately paid the bill due manually and tried to remove the readded account but there is no way change autopay in the app. On XX/XX/22 they did the same thing. On XX/XX/22 they closed my account with no notice and took my rewards balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: SYNCBXXXX XXXX was not authorized to inquire about my credit report. XXXX did not prevent SYNCBXXXX XXXX from doing this unlawfully. SYNCBXXXXXXXX XXXX Location Requested On Phone XXXX XXXX XXXX XX/XX/2022 ( XXXX ) XXXX XXXX, FL XXXX Inquiry Type Individual
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX was not authorized to inquire about my credit report. XXXX did not prevent XXXX XXXX from doing this unlawfully. XXXX XXXX Location Requested On Phone XXXX XXXX XXXX XX/XX/2022 ( XXXX ) XXXX XXXX, FL XXXX Inquiry Type Individual
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have over 20+ hard inquiries on my report. There is only one or two that are valid. I would like all the fraudulent ones closed and permanently removed from my credit reports and reflecting NO negative inquiries. Many show up as duplicates. XXXXXXXX XXXX XXXX should be removed, several for Synchrony Bank ( PayPal, Amazon ) I think are the ones also on there. Neither of which I applied for. XXXX XXXX XXXX XXXX was applied for ONE time. It shows as I want to say three times. According to XXXX XXXX I only have 8 hard inquiries, but even that is inaccurate. Other places say 20+ which is definitely not right. The 8 on XXXX XXXX that I see : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that one is fine, there is one for SYNCB/Paypal ( XX/XX/XXXX ) Synchrony Financial ( XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) that one is fine, SYNCB ( Amazon ) XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) and finally XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) all of those minus the few I mentioned are fraudulent and not made by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for Care Credit with Synchrony Bank one time and was approved one time on XX/XX/2022. When I reviewed my XXXX report, it showed three additional inquiries that is inaccurate and should be removed. I contacted Synchrony bank on XX/XX/2022 in regards to the three additional inquiries and they filed a dispute. On XX/XX/2022, I received a letter stating the one inquiry is correct ( which is true ) but they never acknowledged the three additional inquiries that is not correct so it was never removed. I contacted XXXX on XX/XX/2022 and XX/XX/2022 and they refused to help without a letter from Synchrony Bank stating the 3 additional inquiries was reporting inaccurate information. They are requiring a letter from Synchrony Bank even though I explained to XXXX that Synchrony Bank is refusing to resolve the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: SCAM WARNING FOR SENIOR CITIZENS. I received a suspicious phone call about a month ago from a Lowe 's representative inquiring about an online order than had been fulfilled by pickup but did not think anything about it until Monday, XX/XX/2022, when I received two emails from Lowe 's XXXX AL with an order log of items I had purchased a year ago totaling {$640.00}. One item, a storm door, was listed twice at a price of {$240.00}. I immediately tried calling Lowe 's XXXX, AL and was transferred via Lowe 's customer service, but the phone only rang -- specifically 15 minutes -- with no answer. I then contacted the executive office and no luck. I emailed a message to executive office and received a phone call from them on the XXXX of Tuesday, XX/XX/2022. I explained the situation and was assured the matter would be resolved. In fact, I demanded the matter be resolved immediately. About ten minutes after the call with corporate, I received a phone call from a local supervisor in XXXX, AL. I relayed the problem of the strange order with items from a year ago. He stated that not only did I receive these bogus orders/bills my Lowe 's credit card had been billed for these bogus items. I smell an inside SCAM which needs to be dealt with at XXXX, AL Lowe 's.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The short version is that I can not get anyone to pick up the phone in the fraud department for XXXX XXXX XXXX owned by Synchrony Bank ). I have been on hold for for hours - last night and today, and can not get a person on the phone. The number is ( XXXX ) XXXX. Two fraudulent transactions from a country I have never visited have appeared on the account, and I have no way to resolve the problem. ( I have tried online chat/ the login portal, but only the fraud department can do anything ). The long version : On XX/XX/XXXX at approximately XXXX, I received a notification that two charges had been made on my XXXX XXXX XXXX owned by Synchrony Bank XXXX My card has been frozen for a long time, so I knew these were not placed by me. I immediately attempted phone contact while logging in. I was told that no one can address the issue via the website ; only the fraud department. I was on hold over an hour last night before giving up and hanging up the phone. Today I am CURRENTLY on hold and have been on hold for one hour and 10 minutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone went to BrandsMart and open an account in my name on the XXXX of XX/XX/2022. I was alerted by receiving a letter in the mail on the XXXX of XXXX from Synchrony Bank that they required more information to verify my identify. I immediately call them at the XXXX to informed them that I did not request any credit product. They informed me that they will close out the application. I then went to check my credit report to see if there were anything about this account on my report. I found that there was a credit card on my report that I did not authorize from a creditor name XXXX with the account # XXXX. I immediately contacted this company at XXXX to informed them that I have not applied for any credit with them. They informed me that someone did apply and was approved for {$5000.00} credit limit which {$3200.00} was used to purchase items from BrandsMart. I informed them that I did not purchase anything from BrandsMart or authorized anyone to purchase anything in my name. They informed me to contact BrandsMart because that is where the application came from. I went to BrandsMart and spoke to XXXX XXXX XXXX the General Manager, and he informed me that it was nothing he could do and that I need a subpoena for him to discuss anything about the account with me. I immediately went to file a police report for fraud with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX After filing this report this report i then call XXXX again to informed them that I had filed a police report and that I will be seeking legal remedy if they don't remove this from there record and remove this account from my credit report. They informed me that they will mark it as a fraud account, and they will be contacting the three-credit bureau to remove it from my credit report and that I will be receiving a affidavit from them by mail within 5-7 days. I have not received anything from them or any removal from my credit report of this account. I do have the recording of the conversation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A