Date Received: 2022-10-02
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: Good day. I purchased a refrigerator with a warranty at XXXX 's in XXXX XXXX Florida. on XX/XX/22 for a total amount of {$1000.00} ( this includes taxes and a 5 year warranty which was {$150.00} ). The fridge was returned on XX/XX/22, within the grace period as acknowledged by XXXX 's who issued the refund. I have a signed receipt to support this. However, XXXX 's only credited my account {$800.00}. I was under the impression that this was the full amount and also included a refund of the 5 year warranty for {$150.00}. This was not the case and I received a credit card statement in the mail in XXXX from Lowe 's / Synchrony Bank stating that my account was past due. It was unbeknownst to me that I had a balance on this account since I was under the impression that I was issued a full refund. I have called the company in an attempt to resolve this dispute. This was done on XX/XX/22. I spoke to XXXX XXXX XXXX XXXX XXXX ). She said the company would investigate it. However, I am very concerned that it may not get resolved satisfactorily, which is why I am filing this complaint. Also it has impacted my credit. My XXXX went from XXXX to XXXX. This is very detrimental to my financial life and I need your help to correct this. PLEASE HELP. My phone number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
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: I contacted Synchrony bank several years in an attempt to resolve a past due balance on my amazon store card. I asked for a supervisor several times because I wanted to have late fees removed in order to pay my balance in full. I eventually got to a supervisor and told him I just wanted to get the matter of the fees to be dealt with and I would be able to pay my balance in full. He lead me to believe that I was going to have my fees waived and would be able to pay my balance, however what he actually did was he entered the payment I made as a " settlement '' and closed my account. And now I have this account flagged as a settlement on my credit report, which was not what I agreed to, this has caused me measurable financial harm and this complaint is my last resort before filing suit in small claims court. Attempting to resolve this with Synchrony, I was told by a representative that I did agree to a settlement for less than the full balance, which is blatantly dishonest, I paid the full amount of all funds received and asked that the late fees be removed, to call this a settlement for less than the full balance is something I consider to be almost defamatory as the account was " settled '' and closed without my informed consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15-USC-681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY. 15-USC-681 SECTION 604-A SECTION 2 ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15-USC-1666-B STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I filled out some information on a website and they must have fished my information around to other credit companies without my consent I applied for a home loan and I noticed several mortgage companies on my report without my consent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28658
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: For the past year and a half every time I've tried to gain access to my Savings Account at Synchrony Bank I have been prompted to undergo the XXXX step verification to verify my identity. The problem has been that the phone number associated with my account is an old phone number I no longer have access to. As a result for the past year and a half I have been going back and fourth with Synchrony Bank customer service to update my phone number and regain access to my account but every time I would call I have been told that I need to wait a couple of weeks for my new cellphone number to appear under my SSN for them to authorize the change. The firsts of these calls took place in XXXX of XXXX and I would call every XXXX months to try yet again. Finally in XXXX of XXXX I was able to call again to update my cellphone number to update the text verification number that was preventing me from accessing my account on all of my devices. When the change was done, I was told that it would take 60 days for my new phone number to be set up with the XXXX step verification ( so I still would not be able to access my account across all of my devices until the XXXX day mark ). This weekend was the XXXX day mark since my final call in XXXX. However when I tried to sign into my account yet again I was prompted with a XXXX step verification associated yet again with my old phone number. It has now been closer to 2 years since I first reported support with this issue and we are still in the same place. At this point I'd like just to close my account as soon as possible and move on from Synchrony Bank. I understand the need for rigorous verification processes to protect the money of consumers, but that should not come in exchange for accessibility. Until XXXX of XXXX I had no way to access my account, and the requirements and wait time needed to undergo any change ( days, weeks, month on end ) is ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My information was merge with someone else info. Which added accounts I never had. Then my information was stolen and people were buying and opening checking and savings under my name for over XXXX years I been going thru it with XXXX XXXX and XXXX. They had inaccurate info. They have plenty of inquiries that I didnt give permission to check my credit. When we call those bureaus they make it hard on it to fix their own problems they created. Also. I have closed accounts. I have old inquiries. I have duplicates accounts. Now they put me in a special department making it hard to get to anybody. I spent over XXXX fixing and getting my credit back to normal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I mailed them a payment totaling XXXX, which was the balance of the statement dated XXXX. The mail was stolen out of the USPS system and someone fraudulently cashed the check. ( still working with XXXX Bank on this and it hasn't been easy ) This was not the fault of Synchrony however because the payment never made it I was subject to interest and late fee. These fees showed up on my statement dated XXXX. I called on XXXX and they reversed them and I paid the past due balance. The statement which would have been dated XXXX was either never sent to me or I didn't receive it through the USPS ( I didn't have an online account with them at the time ) so I had no way to know money was owed since I only use the account every so often. They texted me XXXX about a past due payment. I created an online account since their phone system is awful. I tried to pull the missed statement on their online portal but they don't post statements online ( only bank I have ever seen that doesn't give PDFs of statements ). I then called this morning to try and resolve the issue and they said they can't due anything and the account is now " an attempt to collect the debt ''. I have almost perfect credit and this company is not willing to work with me. They stated they can't waive the fee even though they didn't send me a statement and their own online portal doesn't allow anyone to pull a statement. They also said they can't waive the interest because the account is past due. She then asked when I would be making the past due payment and I advised I needed to see something in writing since they haven't sent me anything yet. I am reaching out to CFPB because this company failed to send me a statement to collect payment and is now blaming me. I understand the check theft isn't their fault and appreciate they worked with me then, but now that payment was not received because of them they are essentially blaming me. My next step once I receive something in writing from them is to push back in writing contesting everything since they have no proof a statement at the end of XXXX was ever issued. ( Since I can't pull it online and they didn't send one in the mail ). All I want is to close this account ( which they said I have done ) and pay off the balance for actual charges I made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX where I used to work would force me to conduct illegal credit card transactions by forcing elderly customers to reapply for a XXXXXXXX XXXX XXXX though they already had one. XXXX XXXX is the store manager who attempted to force me to do it. This person rewarded such behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
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 mailed a certified letter advising Synchrony Bank/XXXX XXXXXXXX XXXX of the dispute I had with XXXX XXXX XXXX in the amount of $ XXXX $ XXXX {$61.00}. I sent copies of the emails that XXXX XXXX sent me stating the discounts that they applied to my account, but never applied these same discounts to my credit card. I informed the bank that they needed to cancel the original credit card and issue me a new credit card and not to accept any more charges from XXXX XXXX to my account. As of today, they still have not resolved this dispute and credited my current credit card. On XX/XX/2022, I noticed on my XXXX statement that XXXX XXXX had charged on my new credit card {$48.00} on XX/XX/2022, and {$48.00} on XX/XX/2022 ; neither of which had been authorized by me. Immediately, I filed a new dispute requesting a full refund in the amount of {$12.00}, {$48.00} from XXXX, {$48.00} for XXXX, and {$48.00} for XX/XX/2022 = {$150.00}. This company has done nothing but steal from me and Synchrony Bank is enabling them to continue this theft. On XX/XX/2022, I phoned Synchrony Bank customer service and was told by their representative that I should not have closed the original credit card and opened a new one because it confused the system. I told him that was a bunch of * % #! And to close this new recent account and send me a new card and do not allow ANY MORE CHARGES TO MY CREDIT CARD AT ALL!!! The reason I asked for a new card was to keep XXXX XXXX from accessing my account and making charges without my authorization. And this bank totally ignored my request and allow them to charge twice on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A