Date Received: 2022-10-05
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 was online looking to book a hotel. The cost was to high so I closed out the site. I then received a charge on my acct. I called synchrony bank on XX/XX/24 to dispute to charge and they wont refund me. Ive called multiple time over the last 3 months Ive been hung up on etc. I dont know what to do. The amount is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
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: XXXX I have been trying to dispute a line of credit under Synchrony Bank/PPMC that is showing on my credit reporting. I am being shown as an authorized user on a line of credit labeled SYNCB/PPMC. After calling Synchrony Bank I was told the account is not linked to my name, social, email, or phone number but yet is still showing on my credit reporting and lowering my credit score significantly as the account is delinquent by over {$6000.00}. I can see that the account was opened in XXXX it but didn't start showing on my credit report until XXXX. I have since tried to dispute the account a few times with XXXX and with XXXX. Both have come back saying information is correct and to remove the account I would need to contact Paypal/Synchrony Bank . Synchrony Bank/PPMCXXXX XXXX XX/XX/XXXX I spent an evening and multiple phone calls back and forth with Paypal and Paypal credit department XXXXrying to remove the account. Multiple people looked into account but can not find anything linking me to the account that is showing on my credit reporting. They told me they could not do anything and that I would need to go to the credit bureaus to have it removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have asked all three reporting bureaus to delete an account SYNCB/care credit opened XX/XX/2018 charge off of XXXX acct number XXXX. I did not open this account and have tried feverishly to have it removed with no success. I have also called that lender and they said they would do an investigation. I did an online dispute with XXXX and they sent me an errant email saying I cancel the transaction when I didnt. If you can have these removed from my credit report I would greatly appreciate it. My name is XXXX XXXX I live at XXXX XXXX XXXX, XXXX, CA XXXX. My phone is XXXX. Please advise if I need to provide any other information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92057
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: 2022-10-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Synchrony Bank unilaterally closed my account over a {$44.00} amount due with no notice. I paid the card up to date, but it was closed a day later. On that {$44.00}, the card still had {$24.00} in rewards to be used on Amazon.com They told me that, per their terms and conditions, I forfeited my {$24.00} benefit when they closed the card. This does not seem to me to be legally permissible terms and conditions, especially when they can take unilateral action to take away a defined monetary benefit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of investigation procedure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21009
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have a card reported on my credit that is not mine. I don't recognize this credit and I have not applied for this credit card in the past. I tried to contact the company and they said that this card is in the collection and they don't have access to this card anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: CareCredit, the health and dental care credit card carrier, deleted my account without my knowledge and without notifying me of the action. My wife needs dental care in the immediate future. I had an account for years. When I discovered the account had been deleted I spent the entire morning of XX/XX/2022 online and with customer service representatives trying to get my account reinstated. The obstacles to be overcome in this process were insurmountable, including the application website informing me it was down after an extensive process of form completion. When I finally completed a form and submitted it, I was subjected to an identify verification process using a company app that refused to accept the video and photos of my id that it solicited. By the time I had taken multiple photos, submitted them, and had them all rejected, my application session had expired, requiring me to start the whole process over. When I contacted customer service I was told that my application had been denied because of the failed verification process, which I maintain was not my failure to follow proper procedure, but the result of their faulty app, the crash of their website, and failure of the website to permit me to complete the process before timing out. I just checked my credit score and it is XXXX. This company is wasting consumers ' time and causing multiple submittals of sensitive information, including social security numbers, without delivering on the advertised and expected result.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I opened a new CD account no. XXXX. The account opening page asked if I wanted to fund the new CD through existing external account or add a new one. I chose to add a new XXXXXXXX XXXX account and completed the CD opening and funding process. A few days later I received notification that the transfer failed. I logged into Synchrony and again initiated a funding through the XXXX XXXX account. As of today, Synchrony is showing the following : XX/XX/2022 Pending Transfer from XXXX XXXX XXXXXXXX XXXX {$500000.00} ( Expected ) Today, I also received a note that my XXXXXXXX XXXX account ending in XXXX is overdrawn. This account is among the accounts that is linked to my other Synchrony CDs. I also received notification from Synchrony that funding from my account ending in XXXX was rejected. My XXXX account is showing 2 attempts by Synchrony to draw from it and 2 insufficient charge fees ( each {$36.00} ) because the XXXX XXXX account is unfunded. I attempted to speak with a Synchrony call center representative about this but her response was that since I opened a CD on line, she can't see why Synchrony would be trying to draw from the XXXX XXXXXXXX account and she can't help me. I attempted to impress upon her that this has to be some sort of an algorithm glitch but she wasn't absorbing the information. I disconnected the conversation because clearly, she wasn't understanding that Synchrony 's attempt to draw from the wrong account is causing me damages in the form of insufficient charges from XXXXXXXX XXXX I ask that Synchrony seize attempting to draw any funds from the XXXX XXXX account and refund me {$72.00} of NSF fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18940
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21009
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: You have no category to cover my specific problem. Lowe 's XXXX Card expects my payment I said to them I refuse to pay for something that is defective and impossible for me to return. I also cancelled my Lowe 's XXXX Card. XXXX XXXX admitted that XXXX XXXX sold me a defective product. I have no way of returning the defective product. Both Lowe 's and XXXX XXXX refused to pick up the defective refrigerator and provide me with a refrigerator that is not defective. I am XXXX XXXX XXXX in ill health and can not possibly move the refrigerator and I am unable to transport the refrigerator in my XXXX XXXX XXXX. I was told by XXXX XXXX the defective refrigerator must be returned to Lowe 's here in XXXX Florida at their XXXX XXXX store location to do a refund or exchange is what XXXX XXXX told meXXXX I had made several attempts to negotiate with the management at Lowe 's in person and by phone I spoke with Lowe 's on several ocassions between XXXX and early XXXX. XXXX XXXX 's had phoned me several times and I also spoke with them by phone several timesXXXX Lowe 's insisted that I must return the defective refrigerator for a refund or replacement. They give me no legal recourse.
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: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A